Self-employed, between jobs, retiring before 65, or shopping for your family? Anil Khanchandani, CLTC®, a licensed life and health insurance producer at US Life Solution LLC, can help you understand Marketplace options where he is licensed, appointed and authorized to assist.

Call Anil: (201) 410-2003

Prefer a personal reply? Request ACA follow-up. Consultations are available in English, Hindi and Sindhi.

What should you compare?

• Total cost: Review premiums, deductibles, copayments, coinsurance and the in-network out-of-pocket limit. A low premium alone does not tell you what care may cost.
• Doctors and prescriptions: Check the current provider directory, covered-drug list and pharmacy rules for the specific plan.
• Plan category: Bronze, Silver, Gold and Platinum describe cost sharing, not quality of care. Available options vary by location.

Can you qualify for financial help?

Eligibility depends on factors including household income, household size, access to other coverage and current Marketplace rules. The Marketplace determines eligibility. If you qualify for cost-sharing reductions, you generally must choose a Silver plan to receive those extra savings. No subsidy, premium or eligibility result is guaranteed.

When can you enroll?

Apply during your Marketplace’s Open Enrollment period or, if eligible, a Special Enrollment Period. Losing qualifying job-based coverage, certain moves, marriage or a new child may create an enrollment opportunity; conditions and documentation apply. Confirm current deadlines and coverage start dates before ending an existing plan.

What should you have ready?

Start with your ZIP code, household size, estimated annual household income, current coverage and any enrollment deadline. Keep a list of your doctors and prescriptions for the plan comparison. Please do not send Social Security numbers, immigration documents, account passwords or medical records through this website’s general contact form or ordinary email.

How does working with Anil help?

Anil helps you organize your questions, compare available options and understand next steps. He receives commissions from insurance carriers and does not charge insurance consultation or service fees. Assistance does not mean every insurer or plan is represented.

New Jersey residents can also use Get Covered New Jersey, the state’s official Marketplace. For other states, HealthCare.gov directs you to the appropriate Marketplace.

Approaching Medicare eligibility? Visit Medicare guidance before making a coverage change. For other protection needs, explore insurance strategies.

This page provides general education. A website inquiry is non-binding and does not submit an insurance application, enroll you, bind coverage or guarantee an effective date. Coverage requires the applicable enrollment steps and any required premium payment. Information checked October 19, 2026. Sources: comparing plans, cost-sharing reductions and Special Enrollment Periods.