Open Enrollment for Obamacare has ended.

But you can still enroll now if you had:


Change of Income

If your income has recently increased or decreased. Millions will qualify here.

Lost Health Coverage

Job loss
Medicaid loss
CHIP loss
Insurance dropped

Change of Marriage Status


New Family Member

Had a baby
Adopted a child
You were adopted

Moved Locations

Moved to another zip code, county or state which qualifies you for different Obamacare plan options.

No Longer a Dependent

You turned 26 and can no longer be covered on your parent’s health insurance plan.

Open Enrollment Errors

Errors at
Insurance company errors
Misc system errors

Exceptional Circumstances

Contract violations
Unexpected hospitalization
Misinformation from an Agent
And more

If any of these happened to you
View rates and enroll >>

If none of these happened to you consider short-term insurance plans
until open enrollment re-starts in November.

8 Million People Enrolled in Obamacare!

Millions of Americans signed up during open enrollment, many for the first time in their lives. Read More.

Key Changes of the New Health Care Law


You must have insurance

If you aren’t enrolled in a health plan in 2014, you’ll receive a tax penalty at the end of the year.
Learn More

Tax credits for free insurance

If you make less than $45,960 then you’ll be eligible for tax credits to help reduce your insurance costs. Learn More

New Bronze, Silver, Gold, & Platinum Plans

All health plans now fall into these 4 categories & create new standards for insurance plans. Learn More

Increased Medicare benefits

The expensive “doughnut hole” for those on Medicare will finally begin to shrink and be nearly obsolete.   Learn More

No more coverage limits

It’s now illegal for health insurance policies to put limits on how much they’ll pay for your medical bills.   Learn More

Pre-existing condition? No problem

Insurers can no longer deny you or charge you more if you have a pre-existing condition. Learn More


Marketplace Rates

The Health and Human Services Department (HHS) has released official insurance premiums for each state,
excluding any tax credits you may be eligible for.

View My Rates

Tax Credit Calculator

If you earn less than $45,960 as an individual (or $94,200 for a family of 4) you’ll receive a tax credit to help you pay
for some or all of your insurance. Use our calculator to see how much you’ll be eligible for.

Calculate My Tax Credit is the official site and is another alternative or just to go there. Consumers can also go to urgentcare centers.


Frequently Asked Questions

March 31 has passed. Can I still enroll?

Yes, but only if you have any of the qualifying events mentioned at the top of the page (a “life event”). If you haven’t qualified for any of these events then you should consider affordable short-term insurance until the next open enrollment period begins in November. Keep in mind that some short-term plans may not be ACA compliant and therefore you may still receive a tax penalty at the end of the year.

What happens if I don't get health insurance in 2014?

You’ll be fined and you won’t be able to receive free tax credits to reduce your monthly cost until enrollment re-opens in November. In 2014 the fine will be 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.  If you have children the fine will be higher as well.

What if I can't afford health insurance?

If you’re unemployed or make less than $45,960 you can get a tax credit to help you. Learn more. 

How can I get tax credits to lower my costs?

There are a number of ways to qualify. Even if you exceed the minimum of $45,960 as an individual, you may be able to qualify for credits. Learn more. 

What is catastrophic health coverage?

Catastrophic plans are cheaper than the bronze, silver, gold, or platinum plans, but it only covers the most basic of care in the event of an emergency. You also must be under 30 or have extreme financial hardship. Learn more. 

How do I apply?

Complete the short form here to view rates and enroll online. 
Still have questions? Learn more in our News section