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.

Just married? Sort your coverage together

Marriage opens a 60-day Special Enrollment Period. It’s the natural moment to decide: one plan together, or keep separate coverage — and the math isn’t always obvious.

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Joint isn’t automatically cheaper

Combining onto one plan pools your deductible but recalculates subsidies on joint income. Sometimes two separate plans cost less — an agent runs both scenarios.

Your subsidy is recalculated

Married filing jointly changes household income for subsidy purposes. If you were both subsidized as singles, re-check the numbers to avoid a surprise at tax time.

One of you had employer coverage?

Marriage typically lets a spouse join an employer plan mid-year too. Compare that against a Marketplace plan before deciding.

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Common questions

When does the 60-day window start?

On your wedding date. At least one spouse generally needs to have had coverage during the 60 days before the marriage for Marketplace eligibility.

Does divorce also open a window?

Losing coverage because of divorce or legal separation is a qualifying event. An agent can confirm what applies to your situation.

Two minutes tells you where you stand

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

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