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Coverage Now?

You can buy individual insurance that starts before January 1, 2017. We can help you find your options. But some benefits will not apply yet and you can be denied.

Having health insurance is important to your health and financial security. If you don’t have coverage now and need it before the Marketplace is open, you have several options. You can buy directly from our licensed Agents.

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to get information on available plans in your area and compare costs and benefits. You can then contact our licensed agents direct to buy a plan.

Keep in mind some of the essential benefits still don’t apply yet.

No matter how you buy insurance before the Marketplace opens, be aware that some protections and benefits of the health care law are not yet in effect and may not apply to your coverage.

You may be denied coverage, charged more, or have certain kinds of care limited or excluded if you have a pre-existing condition.
Women may be charged more than men.
Plans do not have to offer essential health benefits, so it’s very important to find out what each plan covers and excludes.
You won’t be able to get lower costs based on your income, as you might be able to with a Marketplace plan.

Individual Plans can be cancelled at any time

Keep in mind if you by a plan that is fully underwritten you can keep that plan with the benefits until the end of 2014. That is a benefit if you are healthy and do not need get a subsidy.

Remember: These rates that are on our quote engine are NOT plans on the marketplace. You can

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to compare rates available now that are not on the exchange.

The marketplace is not open yet and

The Health Insurance Marketplace open enrollment starts November 1, 2016 and ends February 28, 2017. The earliest insurance can be started on the Marketplace is January 1, 2017.

Turning 65?

We can help you enroll in Medicare. Visit our partner site MedPlan.Today for a Free guide to Turning 65.

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