Open Enrollment for 2026 is closed
However, if you're a growing your family, starting fresh in a new city, or simply planning for tomorrow, you can unlock 2026 insurance with an applicable life event.
Special enrollment
Got married, had a baby, or moved? Your family may qualify for a Special Enrollment Period to get covered right away.
Qualify for Medicaid or Children's Health Insurance Program (CHIP), which offers year-round enrollment with coverage starting immediately.
eligibility
Marketplace health insurance coverage is available. You may qualify if:
Plus, families with children may qualify for year-round coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
The healthcare marketplace offers affordable plans tailored for families who are expanding.
Explore healthcare marketplace plans that ensure your family’s health is covered as you settle in.
Find marketplace coverage tailored to meet your family’s needs during life changes.
Balancing work and family? Flexible health plans are available to ensure your family is covered while you focus on your business.
Keep your family secure with ACA plans offering affordable premiums and comprehensive coverage.
Recently moved to the U.S.? Explore health insurance options for your family, designed for lawfully present residents.
Don’t let gaps in coverage leave your family unprotected. Marketplace plans offer affordable options to ensure everyone is cared for.
Have a graduate starting life on their own? Help them find budget-friendly health plans that offer a safety net while they build their future.
Young adults moving out or starting careers can access affordable health insurance plans tailored to their needs, ensuring they stay healthy and protected.
get savings
Most families are eligible for subsidies, including:
$0 Premium Plans: Many families qualify for plans with no monthly premiums thanks to tax credits.
Lower Out-of-Pocket Costs: save on deductibles, copayments, and coinsurance, making your coverage work harder for you.
Free or low-cost coverage: Medicaid or CHIP offer full coverage for eligible families.
Default benefits
Ambulance services
Emergency services
Hospitalization
Pregnancy, maternity, and newborn care
Mental health and substance use disorder services
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services
Always included
Preventative healthcare
Coverage for pre-existing conditions
Yes, all ACA Marketplace plans cover maternity care, newborn care, and pediatric services including vaccines, dental, and vision for children. It's one of the 10 Essential Health Benefits required by law. See what's included and how cost-sharing applies →
Yes, children may qualify for Medicaid or CHIP even if you don't, and both programs offer year-round enrollment at little or no cost. See what's covered and how to find out if your kids qualify →
After enrollment, your coverage starts on your plan's effective date once you make your first premium payment directly to the insurance company. See the full post-enrollment checklist →
Qualifying life events like having a baby, getting married, or losing other coverage open a 60-day Special Enrollment Period to enroll in or change your plan. See which life events qualify and what to do next →
It depends on the plan. You can check whether your doctors are in-network before you enroll, and a licensed agent can verify that for you. Learn how provider networks work and what to check →
Yes, most ACA Marketplace plans let your whole family enroll together under one policy, with shared benefits and a single monthly premium. Learn how family plans work and what's covered →
For 2026, a family of four earning between $32,150 and $128,600 may qualify for premium tax credits. Exact amounts depend on your income, location, and household size. See the full income ranges and how subsidies are calculated →
Yes, children can stay on a parent's health insurance plan until age 26, regardless of where they live, their school enrollment status, or whether they're married. Read what happens when they turn 26 and what to do next →
Many families qualify for Premium Tax Credits that significantly lower monthly premiums, and lower-income families may also get reduced deductibles and copays through Cost-Sharing Reductions. See what financial help your family may qualify for →
The application itself takes about 10 to 15 minutes when you have your documents ready. You can apply online, by phone, or with one of our licensed agents. See what to have on hand before you apply →
contact us
Note: When you have Marketplace insurance, you'll pay your monthly premiums directly to the insurance company — not to us or the Marketplace. Your coverage won't start until you pay your first premium.
Step #1: Fill out Application
Step #2: Compare Quotes
Step #3: Verify Eligibility & Enroll
compare yourself
Use our recommended health insurance plan comparison tool designed to simplify your shopping experience and help you make an informed decision.
Learn how to compare health plans.
Only takes 8 mins
Need help? Give us a call at (305) 330-1277.
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