Personalized Coverage for Every Stage of Life
Explore ACA-Compliant Health Plans for yourself and your loved ones, and get personalized, affordable coverage today.
Partnering with the Best in Insurance
What is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA), also known as Obamacare, was designed to ensure all individuals and families have access to quality health insurance. Our ACA-compliant plans, through the Health Insurance Marketplace (Healthcare.gov), provide essential health benefits, financial assistance, and the security you need for your healthcare journey.
In order to enroll in ACA plans, you can visit the marketplace and compare the plans from a variety of carriers, all designed to meet your healthcare needs and budget.
Annual Open Enrollment
Occurs from November 1 to January 15 each year.
Special Enrollment Periods (SEPs)
Qualifying Life Events (QLE) like job loss, marriage, and moving, etc., allow you to enroll anytime outside of Open Enrollment.
The Different Types of ACA Health Plans
Health Maintenance Organizations (HMOs)
Provide comprehensive care within a network of providers. No out-of-network coverage.
Preferred Provider Organizations (PPOs)
Offer more flexibility in choosing healthcare providers, both in and out-of-network.
Exclusive Provider Organizations (EPOs)
Similar to HMOs, but with a more limited network of providers. No PCP referral.
High-Deductible Health Plans (HDHPs)
Feature lower premiums but higher deductibles, often paired with Health Savings Accounts (HSAs).
Why Should You Choose ACA Plans?
Essential Health Benefits
Coverage for preventive care, hospitalization, prescription drugs, and more.
Financial Assistance
Income-based subsidies to reduce premiums and out-of-pocket costs.
Guaranteed Issue
No denials based on health conditions.
No Coverage Limits
Unlimited coverage on essential health benefits.
Looking for Short-Term Coverage?
If you need temporary health insurance, consider a short-term medical plan. These plans offer coverage for up to 4 months, perfect for bridging the gap between permanent coverage.
Why Go With Wellnest Insurance?
Expert Guidance
Our brokers are ACA experts, ensuring you find the right plan.
Personalized Service
We tailor your health coverage options based on your unique needs.
Advocacy
We stand by you through the entire enrollment process and beyond.
Meet Bruno Nascimento
Bruno Nascimento is an experienced insurance professional with over a decade of expertise. In 2015, he founded Healthcare Brokers of America LLC, now licensed in over 30 states. Fluent in English, Portuguese, and Spanish, Bruno has helped thousands of individuals and small businesses navigate complex insurance solutions, including health, life, and Medicare.
His commitment to personalized care, alongside his A+ BBB rating and 5-star reviews, reflects his mission to make insurance accessible, understandable, and truly tailored to each client’s needs.
3 Easy Steps to Affordable, Customized Insurance Coverage
Bruno ensures you get the right insurance plan without the hassle.
Book a Call at Your Convenience
Schedule a time that suits you and connect directly with Bruno for personalized advice.
Share What You Need
Discuss your requirements and receive the best options tailored to your budget and coverage requirements.
Get Your Quote in Under 2 Hours
Receive a detailed quote based on your unique needs so you can make an informed decision.
P.S: Bruno’s services are 100% FREE of cost to you.
Trusted by Many, Loved by All
Find out why clients across the country trust Bruno with their insurance needs.
Mel K., Northbrook, IL
He was very knowledgeable about Medicare supplements and gave all options available for my needs. I felt he had my best interest in getting the best plan based on my needs. Didn’t take long to apply.
Amanda P., Venice, Venice, CA
Bruno is an honest, thorough, patient and competent agent helping with insurance needs. He has been in the business for years and this puts my mind at ease.
Char K., Houston, TX
Great experience. Happy with the rate and experience. After requesting more information, received and email with contact information. Called Bruno and he helped with findings plan that fit my needs. Easy and fast. Thank you!
Gus W., Santa Fe, NM
Bruno was very helpful in securing health insurance for both my wife and I as we moved to a new state and and needed all-new medical plans both regular and Medicare supplement. We were very happy with his service and follow-up.
Frequently Asked Questions
What sets you apart from other brokers out there?
Unlike larger firms, I provide highly personalized service. I take the time to get to know each client’s healthcare needs and financial situation. I don’t just stop at enrollment; I’ll be there to answer questions, manage renewals, and help resolve any issues with your insurance provider.
What types of ACA plans does you offer, and how do they differ?
I offer various ACA plans, including HMOs, PPOs, and EPOs, each with different networks and levels of flexibility. I’ll explain which plan type aligns best with your preferred doctors and healthcare facilities, as well as your financial comfort zone.
Can I still qualify for ACA subsidies if my income changes throughout the year?
Yes, subsidies are based on your projected yearly income, but if your financial situation changes, it can affect your eligibility. I’ll guide you through reporting any income changes to ensure your coverage and subsidies are adjusted correctly to avoid any surprises.
Can I use a PPO plan to see doctors outside of the network?
Yes, PPO plans allow you to see out-of-network providers, though you’ll typically pay more than if you stay within the network. I’ll explain how your plan works and how to manage these costs if you prefer to keep seeing a specific doctor outside the network.
How does a Special Enrollment Period work, and can I enroll after missing Open Enrollment?
You can enroll during a Special Enrollment Period (SEP) if you experience a Qualifying Life Event like getting married, having a baby, or losing other coverage. I’ll help you navigate this process and ensure all required documents are submitted on time so you don’t miss out on coverage.
What’s the benefit of choosing a High-Deductible Health Plan (HDHP) with an HSA?
HDHPs generally have lower premiums but higher deductibles. They can be paired with a Health Savings Account (HSA), which lets you save pre-tax dollars for medical expenses. I’ll help you decide if this combination is a good fit based on your financial situation and healthcare needs.
What can you do if I need help with a claim or issue with my health plan?
If you encounter problems with your health insurance, such as denied claims or billing errors, I’ll act as your advocate. I’ll help resolve issues with the insurer on your behalf, making sure you get the coverage and care you’re entitled too.
Can you help me understand Medicaid or Medicare if I’m eligible?
Absolutely. If you qualify for Medicaid or Medicare, I can walk you through your eligibility and help you decide between different Medicare options, such as supplements or Medicare Advantage plans. I’ll make sure you understand how these options compare with traditional ACA plans.
How quickly can I get coverage after a Qualifying Life Event?
After a Qualifying Life Event like job loss or relocation, I can help you get enrolled in a new health plan quickly, often within a matter of days. I’ll make sure you understand all the deadlines and required documentation to avoid any gaps in your coverage.
Don’t miss out on affordable healthcare coverage. Contact us today for a free consultation. We’ll help you explore your options and enroll in a plan that meets your needs and budget, considering the latest regulations on short-term health insurance.
Ready for Affordable, Quality Healthcare?
Don’t miss out on affordable healthcare coverage. Contact us today for a free consultation. We’ll help you explore your options and enroll in a plan that meets your needs and budget, considering the latest regulations on short-term health insurance.