Health insurance.
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An agent may be compensated by an insurance company when you enroll. Costs and any permitted service fees depend on the coverage and circumstances; ask the agent to explain compensation and any fees before proceeding.

Marketplace plans are purchased through a federal or state exchange and may offer financial assistance to eligible households. Coverage outside the Marketplace does not receive Marketplace premium tax credits. Some off-Marketplace plans are ACA-compliant; other products have different benefits, exclusions, or limitations. Compare carefully.

Premium tax credits may help eligible households pay for Marketplace coverage. Eligibility depends on household income, family size, access to other coverage, and current rules. An application through the appropriate Marketplace determines eligibility; this website does not calculate or guarantee financial assistance.

Enrollment depends on the type of coverage. Marketplace coverage generally has an annual Open Enrollment Period. Certain life changes may create a Special Enrollment Period, subject to rules and documentation. Medicare has separate enrollment periods. An agent can help review your timing.

It is helpful to begin reviewing your options several months before turning 65, or earlier if you may qualify through disability or another qualifying condition. Your current employer coverage and personal circumstances may affect timing. Check Medicare.gov and discuss your situation with a licensed agent.

An independent agent can explain coverage types, provider networks, cost sharing, and options they are licensed and authorized to offer. Available plans vary by location and circumstances. The agent may not represent every company or plan.

To get started, share your ZIP code, who needs coverage, your current coverage situation, and what matters most. A household income range may help guide a Marketplace discussion. Do not submit Social Security numbers, Medicare beneficiary numbers, banking details, or medical records here.

No. An inquiry is an opportunity to ask questions and understand your choices. You do not have to purchase a plan, and submitting this form does not enroll you in coverage.