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

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60 days

to enroll once your qualifying life event starts the clock

No cost

to compare plans and prices with a licensed agent

Licensed

agents in every state we serve

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.

How it works

Tell us what changed
A few questions about your life event, household size, and expected income. About two minutes.
A licensed agent calls you
They confirm which enrollment window you qualify for and pull real plan prices for your county — not estimates.
Enroll before the window closes
If a plan fits, the agent can enroll you on the same call. There is no cost to compare and no obligation.

Prefer we call you?

Leave your number and a licensed agent will reach out.

Is this coverage for someone 65 or older, or already on Medicare?

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Phone number

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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