We are your local Obamacare - ACA - Marketplace  Champion Agents​


​​Working on Healthcare.gov since the very first day - Nov 1, 2013 - that's 11 years; we have helped thousands of folks and their families get affordable and effective health insurance.

As licensed agents, we are entrusted to find the best coverage available for you.  
AND -  There is NO additional cost. Only smart and easy enrollment.  
Family Glitch Fixed!
If you have a family and have an Employer-based / Group Insurance Plan, and if that plan was considered “Affordable" for YOU as an employee only, and is NOT affordable for the Whole Family......​
 NOW You have New Options for Your Family
Increased Subsidies Continuing!
Premiums and Subsidies change each year. Important: review your 2023 numbers. And No Income Cap: Premium Discounts are calculated as a percentage of your Total household Income. Now, if you make more money – Great. Your subsidy will be reconciled to the actual income. 

Medicaid Expansion for 2025

More folks are eligible. Find out more!

When To Enroll

Annual Enrollment Period: November 1st - December 15th: Review your options and choose a new plan. You new plan will begin on January 1st. 
Special Enrollment Period: Qualifying Events: You may be eligible to enroll in a marketplace plan a receive subsidy help if you experience one of the qualifying events listed below.
  • Job Change
  • Loss of health coverage (no longer than a 60 day lapse in coverage)
  • Loss of Employer/Job Provided Insurance
  • Getting Married
  • Having a Child (Birth or Adoption)
  • Moving to a new residence. 
  • Income Change/Coming off of Medicaid

Questions About Your Subsidy & Tax Return?

Here to Serve You!

"Trout Insurance is the very best - seriously, look no further! Dave Trout has been exceedingly helpful throughout all my experiences with with Trout Insurance. As a matter of fact, when I originally contacted him a couple years ago, he listened to me talk about my situation and then gave me advice to not try to get additional insurance at that time.  This turned out to be the very best advice for me in that moment and showed me that Trout Insurance consistently operates with integrity and a goal to always do what's best for their clients.

​When my financial situation changed, I went back to Trout and, once again, asked Dave for his help. He found a perfect insurance option for me and has been on the ball about following up even after I got the insurance, as my financial situation has changed changed due to COVID. It is incredibly comforting and feels really good to know he's in my corner and that I don't have to worry about figuring this stuff out on my own. He is fantastic at explaining the important aspects of the health insurance marketplace and has been upfront with me, while maintaining kindness and compassion. I feel so very luck to have the best local insurance agency by my side."
- Kylie B.
 Call the Trout Team for your Insurance Quote
​
​828.279.4681

​We look forward to speaking with you! 
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