When is the 2026 Open Enrollment Period?
The Open Enrollment Period for 2026 health insurance plans runs from November 1 to January 15 in most states. During this time, you can enroll in a new Marketplace health insurance plan, switch your current plan, or apply for ACA subsidies to lower your monthly premiums. If you miss this window, you may have to wait until the next year unless you qualify for a Special Enrollment Period due to life events like losing other coverage, moving, or getting married.
How do I apply for Obamacare / ACA plans?
Applying for Obamacare (Affordable Care Act) plans is simple. You can compare plans and check your eligibility for premium tax credits directly over the phone. Our licensed insurance agents can help you review silver, gold, and bronze plan options to find the best coverage for your budget. Call our Health Insurance Marketplace helpline to get a free quote and verify your subsidy eligibility in minutes.
What if I have pre-existing conditions?
All Healthcare.gov marketplace plans are required to cover pre-existing conditions. You cannot be denied coverage or charged more due to your health history. Whether you are looking for individual or family health coverage, our agents can help you find a compliant plan that includes essential health benefits like emergency services, prescription drugs, and preventive care.
Why should I use a licensed agent?
Navigating the Health Insurance Marketplace can be confusing. A licensed agent can help you understand the differences between HMO and PPO plans, check if your doctors are in-network, and ensure you are getting the maximum ACA subsidy available to you. We provide free assistance to help you complete your enrollment efficiently and correctly.