If you have experienced a qualifying life event recently, call us to see if we can improve your plan. You might qualify for additional subsidies.

  • Changing jobs
  • Having a change in income
  • Being denied Medicaid or Children's Health Insurance Program (CHIP)
  • Moving outside of your insurance plan's service area
  • ​Gaining citizenship
  • ​Legally separating
  • Having a baby
  • Adopting a child or placing a child up for adoption
  • Fostering a child
  • Getting married
  • Getting divorced
  • Losing your health coverage
  • Entering or leaving incarceration
  • Experiencing a death

We are licensed and trained in all areas of the Affordable Care Act (ACA) and offer enrollment assistance with access to several insurance carriers. 


In addition to finding you the best coverage from the Marketplace, McCall Insurance Services provides personalized claim assistance and can handle updates and makes changes to your plan outside of the open enrollment period. The Special Election Period (SEP) is created by a life change due to a qualifying life event (life changing).


A qualifying life event can be any of the following:

You'll pay whichever is higher of the following amounts:

  • 2% of your yearly household income or

  • $325 per person for the year ($162.50 per child under 18 years of age)


You'll pay whichever is higher of the following amounts:

  • 1% of your yearly household income or

  • $95 per person for the year ($47.50 per child under 18 years of age)


NO COVERAGE FOR 2015?

NO COVERAGE IN 2014?

Call us today and we can help select a plan that suits your needs and your wallet.

We look forward to helping you!

What if I decline to get health insurance coverage?

If you don't have health insurance coverage that qualifies as minimum essential coverage under the Affordable Care Act, you must either pay a penalty fee or apply for an exemption from the fee. You will pay the fee on the federal income tax return you file for the year that you don't have coverage. The penalty fee increases every year.

Extended ACA Deadline: March 15 - April 30


  • You are not covered currently
  • You were penalized last year
  • You paid last year's fine


If you meet all three requirements, then you are eligible to enroll during the extended deadline.

Call today!

Affordable Care Act (ACA)

MCCALL INSURANCE SERVICES