Chloe Do - Insurance Broker

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Houston, TX
Chloe Do - Insurance Broker

Independent Insurance Broker

11/24/2025

What Income Counts When Applying for ACA Subsidies?

ACA financial assistance is based on household income, specifically your Modified Adjusted Gross Income (MAGI). This includes wages, self-employment income, tips, unemployment benefits, Social Security (taxable portion), overseas income you exclude on taxes, and passive income such as interest, dividends, and rental profit. Gross revenue is irrelevant; only taxable profit matters.

The Marketplace compares your projected income to the Federal Poverty Level (FPL) to calculate your premium tax credit. Under-reporting income leads to repaying subsidies at tax time. Over-reporting reduces the support you receive and increases your monthly premium unnecessarily. Accurate estimation is the only way to protect the subsidy you qualify for.

Open Enrollment for 2026 runs from Nov 1, 2025 to Jan 15, 2026. Enroll by 12/15/2025 for coverage starting 1/1/2026. For enrollment assistance, contact Ngoc Do – 281-858-3404.

10/28/2025

📌 Who Qualifies for ACA (Obamacare)?

Not only U.S. citizens can enroll in ACA. Anyone living legally in the United States with income within the allowed range may qualify to buy coverage through the Marketplace. This includes U.S. citizens, lawful permanent residents (Green Card holders), and individuals with valid long-term visas such as H-1B, L-1, or F-1 (if they have taxable income), as well as protected groups such as asylees, refugees, and TPS holders.
DACA (Deferred Action for Childhood Arrivals) recipients are not currently eligible for ACA coverage.

Besides legal status, income determines whether you qualify for financial assistance. ACA uses the Federal Poverty Level (FPL) to calculate premium tax credits and cost-sharing reductions. For example, a single person earning about $15,000–$58,000/year or a family of four earning about $31,000–$120,000/year may still qualify for subsidies that significantly lower monthly premiums.

🎯 In short, if you live legally in the U.S. and have a stable income, there’s a high chance you qualify for ACA coverage.
Open Enrollment for 2026: from Nov 1, 2025 to Jan 15, 2026.
Complete enrollment before Dec 15, 2025 for coverage to start on Jan 1, 2026.
For help checking eligibility or calculating subsidies, contact Ngoc Do – 281-858-3404 for detailed guidance.

10/24/2025

📌 How the Premium Tax Credit (PTC) Works

The Premium Tax Credit is a federal subsidy that helps lower the monthly cost of health insurance for individuals who purchase coverage through the ACA Marketplace. The amount of this subsidy is based on your household’s estimated income (MAGI) and the average price of a Silver plan in your state. When enrolling, you can choose to receive the credit in advance each month to reduce your premiums, or claim the full amount when filing your tax return if you prefer not to take it upfront.

At the end of the year, the IRS will compare your actual income on your tax return with the income you estimated when you enrolled. If your actual income is higher than expected, you may have to repay part or all of the credit. If your income is lower, you may receive an additional refund.

Common mistakes include reporting incorrect income, failing to update changes during the year, or not filing Form 8962 when doing taxes — which can cause you to lose eligibility for the credit in the following year. Keeping your income estimate accurate and reporting changes promptly is the best way to avoid tax issues and ensure you receive the full benefit.

Open Enrollment for 2026: November 1, 2025 – January 15, 2026. Complete enrollment by December 15, 2025 for coverage effective January 1, 2026. For assistance checking eligibility or calculating your subsidy, contact Ngoc Do – 281-858-3404 for detailed guidance.

10/17/2025

Medicare AEP is here! (Oct 15–Dec 7) This is the time to review your current plan, check your doctors, and make sure your coverage still fits your needs. Some plans are changing or leaving certain areas, and the Part D drug cost cap is now $2,100/year. Need help comparing plans or checking your network? I’m here to support you in English or Vietnamese—message me anytime.

Contact:
Ngoc Do 281-858-3404

03/26/2025

Medicare doesn’t cover routine dental & vision! But the right plan CAN help you save money on checkups, glasses, and even dentures! 🦷👓 Let’s check your options.

Ngoc Do - Insurance Broker
281-858-3404

11/01/2024

Hi guys, Open Enrollment for the Health Insurance is just around the corner and will be starting 11/1/2024 - 1/15/2025. There may be some changes in your plan benefits next year compared to the current year. If you or your loved ones need assistance to review and pick a plan for 2025, please reach out to me through 281-858-3404. Happy to help!
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Currently licensed in:
Arkansas, Arizona, California, Louisiana, Maryland, Maine, Michigan, Ohio, Tennessee, Texas, Utah, Virginia, West Virginia

Ngoc Do
Insurance Broker
281-858-3404
(Có Nói Tiếng Việt)

09/18/2024

Getting married? Don't forget to prioritize your health too! Ensure a healthy start to your new journey together with the right health insurance coverage.

Ngoc Do - Insurance Broker
281-858-3404

07/12/2024

Bạn đã biết? Bảo hiểm sức khỏe hiện tại của bạn có thể hoặc không thể đi theo cùng bạn khi bạn di chuyển sang nơi khác. Hãy để chúng tôi giúp tìm kiếm một bảo hiểm khác ngay trước khi bạn đặt chân tới chỗ ở mới.

Ngoc Do Insurance Broker
281-858-3404

06/14/2024

Did you know that your health insurance may or may not move with you? In case it does not, let's us help you pick the health plan before you settle down in your new place.

Ngoc Do Insurance Broker
281-858-3404

05/01/2024

Bị mất việc hoặc laid off là điều không ai muốn. Có nhiều nỗi lo sau khi mất việc, nhưng hãy để chúng tôi giúp bạn tìm bảo hiểm sức khỏe để thay thế trong thời gian hiện tại cho đến khi bạn có được công việc mới và được offered bảo hiểm từ công ty mới.

Ngoc Do - Insurance Broker
281-858-3404

04/25/2024

Facing a layoff is tough, but worrying about healthcare shouldn't add to the stress. If you've been laid off and need health insurance, we're here to help. Our team understands the challenges you're facing and can guide you towards affordable coverage options that meet your needs. Don't let uncertainty about healthcare weigh you down.

Ngoc Do Insurance Broker
281-858-3404

04/10/2024

Reminder: April 15, 2024 is the final day to file your 2023 federal income taxes. If you had Marketplace coverage last year, make sure to have Form 1095-A ready.
Cannot find your 1095-A Form? I can help!

Contact me at:
Ngoc Do (Chloe) - Insurance Broker
281-858-3404

Address

Houston, TX

Website

https://www.healthsherpa.com/?_agent_id=ngoc-do

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