1. Apply During Open Enrollment

Open Enrollment runs Nov 1, 2025 → Jan 15, 2026.

Enroll by Dec 15, 2025 for coverage starting Jan 1, 2026.

Enroll by Jan 15, 2026 for coverage starting Feb 1, 2026.

After Jan 15 you need a Special Enrollment Period.

Dates can vary in some states. Check your state marketplace.

​

2. Who the Marketplace Is For

If you don’t have affordable employer coverage, Medicare, or Medicaid, the Marketplace offers private plans that meet federal standards. We compare options across carriers and networks to fit your needs.

​

3. What You Pay Depends on Income

Savings are based on your household income and family size. Many qualify for premium tax credits and lower out-of-pocket costs. Children may qualify for Medicaid or CHIP, depending on state rules.

​

4. Speak to a Licensed Insurance Agent

We verify eligibility, compare plans side by side, and handle enrollment at no extra cost. Speak to an Agent – To see the full list of carriers we work with, click here.