Did You Miss Open Enrollment?
GovernmentHealthInsurance.com is a privately-owned site not affiliated with Read More

Who We Are:

We're an independent, privately-operated provider of consumer healthcare information. From GovernmentHealthInsurance.com, you can shop around for healthcare marketplace plans (i.e., the same plans available on HealthCare.gov), and other state-based exchanges. In addition, we may display plans that are sold by insurance carriers that meet federal standards to be a qualified health plan (as defined by the ACA), but are not sold at HealthCare.gov or your state exchange. We do not actually sell health plans ourselves, but work with licensed entities.

What if I Need a Subsidy?

Our website helps you calculate if you are eligible for a subsidy. We provide only an estimate. You can apply for and buy a plan online at GovernmentHealthInsurance.com (or a state exchange website), through a web-based entity as defined by the ACA, or from licensed insurance agents. We partner with both web-based entities and licensed insurance agents to enroll consumers. You officially calculate and apply for a subsidy at the time of purchase. If you are eligible for a subsidy, you can apply for qualified health plan (as defined by the ACA) through insurance carriers and certified, licensed insurance agents that partner with us.

Here are important facts straight from HealthCare.gov confirming that health insurance can be (and most-often is) purchased outside of the federal exchange website:

"Many insurance agents and brokers can also help you apply for and enroll in Marketplace health coverage. Contact an agent or broker to learn more." - HealthCare.gov

You can also get insurance outside the Marketplace--through a private insurance company, an online insurance seller, or an agent or broker." - HealthCare.gov

Our Business Model:

Our business model is to: 1) aggregate a comprehensive set of plan options - including both on-exchange and off-exchange plans - from public and private sources, 2) develop industry-leading tools, data and technology to help consumers select a plan, and 3) match consumers with multiple purchase options - online, over the phone or directly with a certified, licensed insurance agent. We generate revenue from agencies and carriers by facilitating plan purchases. We also generate some targeted advertising revenue from the website. Our services are free to consumers.

Did You Miss Open Enrollment?
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Getting Health Insurance Outside of Open Enrollment

If you missed the Open Enrollment Period, there are two ways you can get coverage: 1) through the Special Enrollment Period or 2) if you are not eligible for the Special Enrollment Period, getting a Non-Government Plan.

The Special Enrollment Period

If you have a Qualifying Life Event, or certain life changes, you will be eligible for the Special Enrollment Period. This eligibility is the only way you can get a Government Plan outside of Open Enrollment.

The following are considered Qualifying Life Events:

  • Loss of health coverage in the past 60 days or in the next 60 days.
  • A new marriage.
  • A divorce that caused you to lose your health coverage.
  • Birth of a child.
  • Adoption of a child or having a foster child placed in your home.
  • A death in your household.
  • Living outside your current health plan’s coverage area (e.g., if you moved to a new state).
  • A change in household income.
  • Became a U.S. citizen.
  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent.
  • Released from prison or detention.
  • Suffered from a natural disaster.

Non-Government Plans

If you missed Open Enrollment and do not have a Qualifying Life Event, it is recommended that you enroll in a Non-Government Plan. Non-Government Plans, often referred to as “Private Insurance” or “Short Term Plans,” are meant to provide you with health coverage until the next Open Enrollment.

You can learn more about Non-Government Plans here.

If you are unsure if you have a Qualifying Life Event or if you can obtain a Non-Government Plan, we can help determine your eligibility. Please enter your zip code and fill-out the 1-page form. You can also call (800)-414-8940.

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