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 lower incomes a subsidy may do real work.

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

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.

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

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