When can I enroll in health insurance?

You can enroll during the annual Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, moving to a new state, getting married, or having a baby.

What subsidies are available for health insurance?

Two main subsidies are available: Premium Tax Credits (which lower monthly premiums based on income) and Cost Sharing Reductions (which lower out-of-pocket costs for Silver plans). Eligibility depends on household income and family size.

How do I find out what plans are available in my state?

Plans vary by state, county, and insurance carrier network. A licensed insurance agent can review options specific to your location and help you compare coverage and costs.

COBRA quote shock? There’s usually a cheaper way

COBRA keeps your exact plan but bills you the full premium plus a 2% fee — often $600–$2,000 a month. The same 60-day window that offers you COBRA also opens the Marketplace.

Check my eligibility Or call a licensed agent(855) 636-0740

Free to checkNo obligationLicensed agents

Same window, two doors

Losing employer coverage triggers both your COBRA offer and a Marketplace Special Enrollment Period. You’re allowed to compare and pick either.

Subsidies only exist on one side

There’s no subsidy for COBRA. On the Marketplace, premium tax credits scale with your income — after a job loss, that often makes a comparable plan far cheaper.

When COBRA is worth it

Mid-treatment with providers you must keep, or a deductible you’ve already met this year — sometimes COBRA wins. An honest comparison takes one call.

Prefer we call you?

Leave your number and a licensed agent will reach out.

First name

Phone number

Your information is encrypted in transit and shared only with the licensed partners listed on this site.

By clicking "Request My Call", I provide my electronic signature and express written consent for WeCare Media Group (WECARE SOLUTIONS LLC) and its marketing partner CareTeam Insurance & Financial Services to call and text me at the number I provided about health insurance options, including through automatic telephone dialing systems, prerecorded or artificial-voice messages, and SMS. I understand consent is not a condition of any purchase, message and data rates may apply, message frequency varies, and I can reply STOP to opt out or HELP for help. I also agree to the Privacy Policy and Terms of Use. Privacy Policy · Terms of Use · Marketing partners

Common questions

Can I switch off COBRA later?

Only during Open Enrollment, when your COBRA runs out, or within your original 60-day window. Voluntarily dropping it mid-year doesn’t create a new Special Enrollment Period.

How fast can a Marketplace plan start?

Typically the first of the month after you enroll — and coverage rules prevent gaps if you enroll before your old plan ends.

Two minutes tells you where you stand

Answer a few questions and a licensed agent confirms your enrollment window and real plan prices.

Check my eligibility