The yearly period when people can enroll in a health insurance plan. Open Enrollment for 2018 is over, but you may still be able to enroll in a Marketplace health insurance plan for 2021 if you qualify for a Special Enrollment Period.  You’re eligible if you have certain life events, like getting married, having a baby, or losing other health coverage.

Did you know that insurance companies can no longer deny applicants based on medical conditions?  As long as you apply for coverage during the annual open enrollment period of November 1, 2020 through December 15, 2020, or during a qualifying Special Enrollment Period you are guaranteed to be approved for a policy.  If your annual household income is under 400% of the Federal Poverty level (in 2017 this was $96,000 for a family of 4) then you may qualify for a subsidy to help pay for your coverage.

Click on the "Quote Marketplace Plans" button to be redirected to our Marketplace page.  In 10 minutes or less you will see the subsidy amount that you will likely qualify, shop for and compare plans and then you can apply for your coverage.  Our page links directly in to the Federal Marketplace so your results will be the same as if you apply through Healthcare.gov.     
Don't think you qualify for the subsidy because your annual income is above the 400% FPL?  Carriers have different plans and rates available off of the Marketplace.  Please go to the "Apply Now"  buttons below to get quotes of private exchange plans in your area.  As with the Marketplace plans, you need to apply during Annual Enrollment unless you have a Qualifying Event during the year.  Not sure if you have a Qualifying Event?  Follow this link to see if you qualify.

Short Term Policy Options

Are you in need of a temporary policy to cover you and your family for just a few months due to:
  • Job Change
  • Waiting period under new plan
  • Being only a few months away from Medicare eligibility

A short Term policy may be a good option for you to bridge the gap.  Short Term policies are much less expensive than Individual Policies and still provide great benefits.
            Important notes about Short Term Policies
  • Short Term policies do not cover any pre-existing conditions, including pregnancy.
  • Short Term policies are available only for a maximum of 90 days
  • Short Term policies do not satisfy the Minimum Essential Coverage law and therefore, you may receive a tax penalty for the month(s) that you are covered by one.