When you can enroll
Individual health plans have an open enrollment period each year, usually in the fall and early winter. Outside that window, you can enroll after a qualifying life event such as losing other coverage, moving, getting married or having a baby. Your agent can confirm the dates and rules where you live.
Common plan types
| Plan type | How it works |
|---|---|
| HMO | Lower costs; you use the plan’s network and usually need a referral to see specialists. |
| PPO | More choice of doctors, including some outside the network, usually at a higher cost. |
| EPO | A network plan without referrals, but generally no coverage outside the network except emergencies. |
| High-deductible plan | Lower premiums and a higher deductible; may let you open a health savings account (HSA). |
Understanding the costs
- Premium: what you pay each month for the plan.
- Deductible: what you pay for covered care before the plan starts sharing costs.
- Copays and coinsurance: your share of each visit or service.
- Out-of-pocket maximum: the most you’ll pay for covered care in a year.
Your privacy
Our health insurance quote form asks only for contact details and basic household information. We don’t ask about medical conditions on the form.
Common questions
Can I get help paying for health insurance?
Many people qualify for financial help based on income and household size when they buy through their state’s health insurance marketplace. Your agent can explain what may apply to you.
Can I be turned down for a pre-existing condition?
Major medical plans that follow the Affordable Care Act can’t deny you or charge you more because of a pre-existing condition. Some other kinds of plans have different rules, which your agent will explain.