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.

Lost your job? Your coverage doesn’t have to end

Losing employer coverage is a qualifying life event: it opens a 60-day window to enroll in a Marketplace plan, often with a subsidy that makes it cheaper than COBRA.

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

Free to checkNo obligationLicensed agents

This site is for people under 65 who are not enrolled in Medicare. Already on Medicare or turning 65? Visit our Medicare site for Medicare plan options.

Insurance Plans USA is a privately owned website operated by WECARE SOLUTIONS LLC. It is not a government website and is not affiliated with or endorsed by HealthCare.gov, CMS, or any government agency.

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

The 60-day window starts when coverage ends

You can enroll up to 60 days before and 60 days after your job-based plan ends. Miss it, and you may wait until Open Enrollment in November.

Your new income counts, not your old one

Subsidies are based on your expected income for the year. Lower income after a job loss often means a substantially lower premium.

COBRA is not your only option

COBRA keeps your old plan but usually at full cost plus 2%. A Marketplace plan with a subsidy is frequently the cheaper path — an agent can compare both in 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?

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

Does quitting count, or only layoffs?

Both. Any loss of employer coverage — layoff, quitting, or reduced hours that end your eligibility — is a qualifying event. Being fired for cause also counts for Marketplace purposes.

What if I already elected COBRA?

You can still switch to a Marketplace plan during your 60-day Special Enrollment Period, or during Open Enrollment. Dropping COBRA outside those windows does not itself create a new one.

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