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.

Missed Open Enrollment? Check before you write off the year

The annual window closes January 15 — but life events all year long reopen it: losing coverage, moving, marriage, a new child, leaving Medicaid. It’s worth two minutes to check.

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

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Life events reopen enrollment

Each qualifying event carries its own 60-day window. If anything on the list happened recently, you may be enrollable right now.

Some situations qualify year-round

Certain income levels and circumstances allow enrollment in any month in many states. An agent can check whether yours applies.

If nothing applies, plan the entry

Worst case, an agent can line everything up so your coverage starts January 1 — and flag anything mid-year that would open a window sooner.

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Leave your number and a licensed agent will reach out.

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Common questions

Is there a penalty for being uninsured?

There’s no federal penalty, but a few states (like CA, NJ, and MA) have their own mandates. The bigger risk is an uncovered emergency.

What counts as a qualifying life event?

Losing other coverage, moving, marriage or divorce, a new child, leaving Medicaid or CHIP, and several others. The quiz on this site walks through them.

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