 So what is Obamacare and what's the difference between that and the ACA? So I say there is no difference because Obamacare is the nickname for the Affordable Care Act So essentially they're one in the same. Well a misconception about the ACA is I will often get calls that say Obamacare, I don't want the Obamacare insurance and I didn't even vote for him so therefore I don't want to pay it and then I say well It's the law of the land. It's not an insurance policy that you're buying into It's actually a law that has passed that now we must comply with as of January 1st of 2014 The law requires that everyone Who falls on what they call a sliding scale table depending on the size of your Family and the income of the household Whether or not you actually qualify through the Affordable Care Act Well, that's another ask question all the time is what is the tax credit and how can I get it and and the answer to that too is Exactly how much that tax credit or subsidy will be for you depends upon Your income so it's gonna vary for every single person because Everyone's incomes a little different the family size is a little different But I always encourage everyone to enroll and get the real numbers because that is exactly how you will know and They tend to ask well How long before I find out if I qualify or not and I'm like we're on the spot And that seems to be something that pleases everyone like really right then in there But it's a process. But yes right then and therefore you sit and discuss it with the enroll That people feel very uncomfortable with is that the household income Why do I have to put everyone's household income on the plan? It's just you know, I don't claim my son he works on his own and This is a good example. I have a lay this this lady a hard-working day care mom works almost full-time about 37 and a half hours a week and Only made $15,000 a year and When she went to apply for the Affordable Care Act, she fell in what would have been Medicaid expansion Because she has three children and herself and therefore did not qualify But upon further review, I found out her son who's 22 years old made $17,000 as a retail shoe salesperson and their income together allowed them to get Part of the Affordable Care Act and so now Don't recall how much they were going to pay. I just remember they were very happy So that was a very positive thing. These are the things that I tell them And these are the kinds of stories I put out there Because then it encourages them to put their incomes together and not be afraid that the IRS or someone's gonna come Out and get them. It's literally to help them get the entire family covered