Not everyone we help is on Medicare. If you’re under 65, self-employed, between jobs, or your employer doesn’t offer coverage, you still need a plan that protects you from the cost of an accident or unexpected diagnosis. We help individuals and families compare ACA marketplace and private health plans so you’re never one bad day away from a financial crisis.
Marketplace Open Enrollment doesn’t last all year. Outside of the annual window, you generally need a qualifying life event to enroll or make changes. Going without coverage — even for a short gap — leaves you exposed to the full cost of care if something happens.
Your Options Under 65
ACA Marketplace Plans
Comprehensive individual and family health plans, with subsidies available based on household income to lower your monthly premium.
Private & Off-Exchange Plans
Alternatives outside the marketplace that may fit better depending on your income, providers, or timing.
Short Term Medical
Temporary bridge coverage for gaps between jobs, plans, or major life changes. Learn more →
When Can You Enroll?
Open Enrollment for ACA marketplace plans typically runs in the fall for coverage starting the following January. Outside that window, you can still enroll if you experience a Special Enrollment Period, triggered by events such as:
- ✓ Losing job-based or other health coverage
- ✓ Getting married or divorced
- ✓ Having or adopting a baby
- ✓ Moving to a new coverage area
- ✓ A change in household income affecting subsidy eligibility
Most qualifying events give you a narrow window — often just 60 days — to enroll. If one of these applies to you right now, don’t wait to reach out.
What to Look For in a Plan
- ✓ Are your preferred doctors and hospitals in-network?
- ✓ What’s the deductible, and how does it compare to the monthly premium?
- ✓ Are your prescriptions covered?
- ✓ Do you qualify for a subsidy that lowers your monthly cost?
Don’t Wait Until You Need Coverage to Get It
We’ll help you find a plan that fits your health needs and your budget — at no cost to you.