There are many factors that go into deciding which type of life insurance is right for you. One of the most important factors is your age. Medicare, and ACA Health also play a significant role in determining whether or not you have coverage for life insurance, as well as the type of coverage you have..
Life Insurance Medicare- Medicare only covers those over the age of 65, but with a few exceptions where you can enroll early. Unless your employment has an employer sponsored policy, this insurance plan may help provide some coverage for your debt if you should die before retirement age.
ACA Health- The ACA was designed to make healthcare more affordable with subsidies and tax credits to help offset costs for low income earners and families who may have expensive medical needs. This particular program does not offer any direct coverage for life insurance policies however there are indirect benefits such as no longer need to pay a penalty fee when filing taxes where there had been none before once Obamacare was implemented in 2016
