Smitty can explain the application and help compare coverage, but the Marketplace determines eligibility for premium tax credits or other savings using the information in the application. Savings are not guaranteed.

No. HSA contributions require current eligibility, generally including qualifying coverage and limits on certain other coverage. Medicare enrollment also affects HSA eligibility.

A Smitty representative reviews location, timing and coverage priorities, then confirms what options can be discussed. Sending the form requests contact; it is not an application, approval or enrollment.

Start with ZIP or county, household size, current coverage, preferred effective date and priorities such as doctors, prescriptions, dental, vision or HSA compatibility. Sensitive identifiers are collected later through an approved secure process.