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.

Medicaid ended? You may qualify for a subsidized plan

When Medicaid ends — a renewal, an income change, a state redetermination — federal rules open a Special Enrollment Period, and many people leaving Medicaid may qualify for a subsidy.

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.

Extended

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

An extended window applies

People losing Medicaid or CHIP get more time than the standard 60 days to pick a Marketplace plan. But premiums aren’t retroactive — enroll early to avoid a gap.

Low premiums are common

Incomes just above Medicaid limits typically qualify for the largest premium tax credits and cost-sharing reductions available.

Denied, not just ended?

A Medicaid denial after applying during Open Enrollment or a life event can also open a path to Marketplace coverage. Bring your denial notice to the 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

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Common questions

My kids kept Medicaid but I lost it — what now?

That’s common. Children’s income limits are higher, so kids often stay on Medicaid or CHIP while parents move to a subsidized Marketplace plan.

What paperwork do I need?

Your termination or denial letter, an income estimate, and household details. The agent handles the rest during the call.

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