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.

Turning 26? Time for a plan of your own

Aging off a parent’s plan is a qualifying life event. You get a 60-day window to pick your own Marketplace coverage — and at most entry-level incomes, subsidies do real work.

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

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Know your exact end date

Most employer plans cover you through the end of the month you turn 26; some end on your birthday. Your Special Enrollment window runs 60 days from that date.

Your income, not your parents’

Once you’re off their plan and not a tax dependent, subsidy math uses your own income — which is often when coverage gets surprisingly affordable.

Avoid the coverage gap

Enroll before your current coverage ends and the new plan can start the day after — no gap, no risk of an uncovered emergency.

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Common questions

Can I stay on my parent’s plan somehow?

Generally no — federal law extends dependent coverage only to age 26. A few states extend it slightly for specific situations; an agent can tell you if yours does.

What if I have a job with benefits?

If your employer offers affordable coverage, that’s usually your best option. If their plan is unaffordable or you’re part-time, the Marketplace with a subsidy may beat it.

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