The Affordable Care Act (ACA) provides Oklahoma residents with access to comprehensive health insurance coverage through the Health Insurance Marketplace. At David Nixon Insurance, we help Moore families navigate their health insurance options and find coverage that fits their needs and budget.

Oklahoma residents can purchase ACA-compliant health insurance plans through the federal marketplace at HealthCare.gov. While Oklahoma has not expanded Medicaid, the marketplace offers various plan options for individuals and families who don't have access to employer-sponsored coverage.

Understanding your options is crucial, especially during Open Enrollment periods when you can make changes to your coverage without qualifying events.

Bronze Plans: Lower monthly premiums with higher deductibles and out-of-pocket costs. Best for healthy individuals who want catastrophic protection and don't expect frequent medical visits.

Silver Plans: Moderate premiums and deductibles, making them the most popular choice for Moore families. These plans often provide the best value for those eligible for cost-sharing reductions.

Gold Plans: Higher premiums but lower deductibles and out-of-pocket costs. Ideal for individuals with ongoing health conditions or those who use medical services frequently.

Platinum Plans: The highest premiums but lowest out-of-pocket costs when you need care. Best for those with significant medical needs or who want maximum coverage.

Every ACA-compliant health insurance plan must cover these essential health benefits:

• Ambulatory patient services (outpatient care)
• Emergency services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use disorder services
• Prescription drugs
• Rehabilitative services and devices
• Laboratory services
• Preventive and wellness services
• Pediatric services (including oral and vision care for children)

Premium Tax Credits: Available for households earning between 100% and 400% of the Federal Poverty Level. These credits can significantly reduce your monthly premium costs.

Cost-Sharing Reductions: Available only with Silver plans for households earning between 100% and 250% of the Federal Poverty Level. These reductions lower your deductibles, copayments, and out-of-pocket maximums.

For a family of four in Moore, household income between approximately $26,000 and $104,000 may qualify for premium tax credits in 2025.

While Open Enrollment typically runs from November 1 to January 15, you may qualify for a Special Enrollment Period if you experience certain life events:

• Loss of health coverage (job loss, divorce, aging off parent's plan)
• Changes in household size (marriage, birth of a child, adoption)
• Changes in income that affect eligibility for financial assistance
• Moving to a new area with different plan options

Consider these factors when selecting your health insurance plan:

Network of Providers: Ensure your preferred doctors and hospitals are in-network to avoid higher costs.

Prescription Drug Coverage: Check that your medications are covered and understand the tier structure for drug costs.

Total Cost of Coverage: Look beyond the premium to understand deductibles, copayments, and out-of-pocket maximums.

Health Savings Account (HSA) Eligibility: High-deductible health plans may qualify you for an HSA, providing triple tax advantages for medical expenses.

Navigating health insurance options can be overwhelming. As a licensed insurance agent serving Moore and the Oklahoma City metro, David Nixon Insurance provides personalized guidance at no additional cost to you.

We help you understand plan differences, calculate total costs, and ensure you're maximizing any available subsidies. Our veteran-owned agency is committed to serving Oklahoma families with integrity and expertise.

How We Can Help:
• Compare plans side-by-side to find the best value
• Explain network restrictions and provider options
• Calculate your potential tax credits and subsidies
• Assist with enrollment and application completion
• Provide ongoing support throughout the year

Don't navigate health insurance alone. Contact David Nixon Insurance today to ensure your Moore family has the right health coverage for 2025 and beyond.