Individual & Family
We compare Marketplace and off-Marketplace plans with you and explain what you'd pay. Our help is free to you.
Mon–Fri 9 a.m.–5 p.m. ET. Free to you, with no obligation to enroll. Can't talk now? Request a callback or schedule a call.
What we help with
A plan in your name when you buy your own coverage, for example if you're self-employed or between jobs.
One plan for your household, or separate plans for some family members if that fits better.
If you lose other coverage, move, marry or have a baby, you may qualify to enroll outside Open Enrollment.
We check with you whether a premium tax credit could lower what you pay each month. Savings depend on more than income.
Where to buy
Comprehensive (ACA-compliant) plans cover doctor visits, hospital care, prescriptions and preventive care, on or off the Marketplace. The difference is where you buy it and whether you can get help paying for it.
On the Marketplace
Off the Marketplace
Before you choose
Plans have different networks. Check that the doctors you want to keep are in the plan's network.
Look at the deductible and out-of-pocket costs as well as the monthly premium.
Whether you qualify, and how much you save, depend on your household size and income, where you live and the plans available. We can check with you on the call.
Tax credits usually don't apply if your employer's plan is considered affordable, so it can be worth comparing both.
When you can enroll
Dates for 2027 coverage.
Dates are for HealthCare.gov. States that run their own Marketplace set their own dates, so check yours.
Last reviewed November 3, 2026
Nov 1 – Jan 15
Anyone can enroll or change plans. Enroll by December 15 for coverage that starts January 1.
Within 60 days
If you lose other coverage, move, get married or have a baby, you may qualify to enroll outside Open Enrollment, usually within 60 days of the change.
Any time
If your household qualifies, you can apply for Medicaid or the Children’s Health Insurance Program any time of year.
How it works
Tell us who needs coverage, the doctors you see and what you can spend each month.
We show you Marketplace and off-Marketplace plans side by side, and check whether you qualify for a tax credit.
After you enroll, we help with ID cards, finding in-network doctors and questions during the year.
Yes. Our help is free to you. Insurance companies pay us when you enroll, and you never have to enroll to talk with us.
It depends on your household size and income, where you live and the plans available there. We can check with you on the call and show what your plan would cost with and without it.
You may qualify if you’ve had a qualifying life event in the last 60 days, like losing other coverage, moving, getting married or having a baby. We can check with you.
Usually, yes. We’ll compare family plans and, if it makes sense, separate plans for some family members.
It can be worth comparing. Tax credits usually don’t apply if your employer’s plan is considered affordable, so we’ll walk through both with you.
Free to you, with no obligation to enroll.
Can't talk now? Request a callback or schedule a call.
Mon–Fri 9 a.m.–5 p.m. ET
