Open Enrollment for 2015 Obamacare has ended.

But you can still enroll now if you had:

Received a Tax Penalty

If you received a tax penalty for not having Obamacare when you filed your 2014 taxes.

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.


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 2015.


Millions of people enrolled in Obamacare for 2015

“The Affordable Care Act is working; it’s working a little better than we anticipated.” – Barack Obama   Read More

2015 Subsidy + Tax Penalty Calculator

For 2015, if you earn less than $46,680 as an individual (or $95,400 for a family of 4) you’ll receive a tax subsidy 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 Subsidy


Key Changes of the New Health Care Law

You must have insurance

If you aren’t enrolled in a health plan in 2015, you’ll receive a tax penalty at the end of the year.
Learn More

Tax subsidies for free insurance

If you make less than $46,680 then you’ll be eligible for “subsidies” 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


Frequently Asked Questions

Can I still enroll in ACA/Obamacare plans now that Open Enrollment has ended?

Possibly. The 2015 Open Enrollment Period ended on February 15 and a special enrollment extension period for the tax season ended on April 30. These were the last periods you could enroll in ACA/Obamacare plans for the remainder of 2015. However, you can still apply now if you have had a “life event.” This includes dozens of cases such as you moved locations, got married, had a baby or simply had a change of income (an increase or decrease in your income). There are dozens of ways to qualify so start here to view rates and see if you’re eligible. The 2016 Open Enrollment Period will begin on November 1, 2015.

What happens if I don't sign up for Obamacare?

If you don’t have insurance, you’ll be fined and you won’t be able to receive free tax subsidies to reduce your monthly cost until enrollment re-opens in November. For 2015 the fine is 2% of your yearly income or $325 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year. In 2016 it is 2.5% of income or $695 per adult, whichever is higher.

What if I can't afford health insurance?

If you’re unemployed or make less than $46,680 a year you can get a tax subsidy to help you. Try our calculator or start the application process here and your subsidy will automatically be calculated based on the profile information you provide. Also make sure you know all your options and read our “6 Must-Read Options to Consider Before Enrolling” 

How can I get a tax subsidy to lower my monthly cost of insurance?

Complete this short profile form and your subsidy amount will automatically be calculated, if you qualify for one. You do not actually receive a subsidy check in the mail, instead you’ll immediately see a discount in your monthly insurance cost on the plan you select. The government then works with your carrier to pay for the subsidy amount you’re eligible for.

What is short-term health insurance?

Short-term insurance are temporary health insurance plan designed for people without health insurance or can’t afford the rates of major medical coverage. Generally rates are far cheaper than Obamacare, however you can only have short-term insurance for less than 12 months and you’ll have to provide any medical conditions that may increase your rate, unlike with Obamacare. Also, since it’s not considered minimum essential coverage under the Affordable Care Act (ACA), you’ll have to pay a tax penalty at the end of the year – about 2% of your annual salary in 2015. You can view short-term plans here. 

How do I apply for 2015 insurance plans?

To enroll in either Obamacare insurance plans or Short-Term insurance plans complete the short form here. Note: since Open Enrollment for 2015 has ended, you must have a “life event” in order to qualify for Obamacare/ACA plans.

When does the 2016 Open Enrollment Period Begin?

2016 Open Enrollment runs from November 1, 2015 to January 31, 2016. For a list of deadlines and other information go here.
Still have questions? Give us a call or read more in our news section