Find Affordable Health Insurance with our
ACA Referral Services
We don’t charge for our referral services.
How Our ACA Referral Services Work
Step 1: Initial Consultation - Schedule a free, no-obligation consultation with one of our experts
Step 2: We’ll refer you to licensed agents who will find ACA plans suited to your needs
If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides, you may be eligible for affordable health coverage.
Important Enrollment Dates:
November 1:
Open Enrollment starts for health coverage for the next plan year — first day you can enroll in, re-enroll in, or change health plans. Coverage can start as soon as January 1
December 15:
Last day to enroll in or change plans for coverage to start January 1
January 1:
Coverage starts for those who enroll in or change plans by December 15 and pay their first premium
January 15:
Open Enrollment ends — Last day to enroll in or change health plans for the year. Depending on your State, this end date may be different (For example, state of New Jersey has OEP till January 31st). After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period (SEP)
February 1:
Coverage starts for those who enroll in or change plans December 16 through January 16 and pay their first premium
Missed the Open Enrollment Period?
You may still get health coverage for the rest of the year if you qualify for:
* A Special Enrollment Period (SEP) due to a recent qualifying life event
* Medicaid, CHIP (Children's Health Insurance Program), or based on estimated household income
Special Enrollment Period (SEP):
A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.
Medicaid:
Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.
CHIP (Children's Health Insurance Program):
Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP also covers pregnant women.
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