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.

New baby? Coverage from their first day

Birth, adoption, or foster placement is a qualifying life event — and coverage can be backdated to the date of birth, so the hospital bills are handled.

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.

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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

Coverage backdates to the birth

Enroll within 60 days and your child’s coverage is effective from their date of birth or placement — including those first hospital bills.

The whole household can switch

A new child lets you change plans for the entire family, not just add the baby. If your current plan never fit well, this is the window to fix it.

A bigger household changes the subsidy

Adding a dependent raises the income limits for assistance — many families may qualify for a larger subsidy after a birth.

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

Do I need the Social Security number first?

No — you can enroll your newborn before their SSN arrives and provide it later. Don’t wait out the 60-day window on paperwork.

What about CHIP or Medicaid for the baby?

Depending on household income, your child may qualify for CHIP or Medicaid even if you use a Marketplace plan. An agent can check both at once.

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