Avoid These 7 Common ACA Enrollment Mistakes

PNJ Financial Solutions – Your Partner for Affordable, Hassle-Free Health Coverage

Enrolling in a health plan through the Affordable Care Act (ACA) should help you save money and ensure your family has the coverage it needs. However, many people unintentionally make mistakes during Open Enrollment that can lead to higher premiums, gaps in coverage, or missed savings.

At PNJ Financial Solutions, we make ACA enrollment simple, clear, and stress-free. Here are 7 common mistakes to avoid—and how we help you stay protected.

1. Missing the Open Enrollment Deadline

Open Enrollment happens once a year, and once it closes, your options become limited. Many people assume they can change their plan anytime—but that’s not the case.

Why it matters:
Missing the deadline can leave you uninsured unless you qualify for a Special Enrollment Period.

How PNJ helps:
We send reminders, provide countdowns, and help you enroll on time—without the last-minute stress.

2. Not Checking Your Updated Income

Your subsidy (tax credit) is based on estimated yearly income. If you guess or don’t update your numbers, you could:

• Miss out on savings

• Owe money at tax time

• Receive an incorrect premium

PNJ ensures accuracy by reviewing your income, household size, and eligibility to get you every dollar of assistance available.

3 . Sticking With Last Year ’s Plan Without Reviewing It

Plans change every year—networks, premiums, prescriptions, and benefits can all shift.

Why it matters:
You could be overpaying or unknowingly lose a doctor you rely on.

PNJ reviews your current plan, compares new options, and helps you upgrade or switch to something better.

4. Assuming All ACA Plans Are the Same

Many people choose a plan based solely on the monthly premium. That’s a costly mistake.

Different plans vary in:

• Deductibles

• Copays

• Out-of-pocket maximums

• Prescription coverage

• In-network doctors

PNJ breaks down the fine print so you can choose a plan that fits your budget and your healthcare needs.

5. Not Applying for Extra Savings

Millions qualify for $0 premium plans, reduced copays, or lower deductibles—but never check.

PNJ screens you for every possible savings program, ensuring you don’t leave money on the table.

6. Entering Incorrect Household Information

Subsidies depend on:

• Household members

• Dependents

• Filing status

• Address

• Citizenship and residency information

Even small mistakes can delay or block your coverage.

PNJ takes care of the paperwork to guarantee everything is done correctly the first time.

7. Trying to Enroll Alone

The ACA marketplace can feel overwhelming—especially with changing rules, plan updates, and confusing terms.

Why struggle alone?
Working with a licensed, trusted advisor ensures:

• You pick the right plan

• You get accurate pricing 9I8

• You avoid penalties or delays

• You receive ongoing support

PNJ Financial Solutions guides you through the entire process—from choosing a plan to keeping your coverage active all year long.

Let PNJ Financial Solutions Handle Your ACA Enrollment—Stress Free

Avoiding these common mistakes can save you time, money, and frustration. Whether you’re enrolling for the first time or updating your coverage, our team makes sure you get the best plan available at the lowest possible price.

👉 Ready to enroll?
Visit https://www.pnjfinancial.com/blog/ or contact PNJ Financial Solutions today.