Learn About the 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.

Learn About the Enrollment
Periods and How to Get Coverage

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What You Need to Know About the Enrollment Periods

There are two distinct enrollment periods for health insurance: the Open Enrollment Period and the Special Enrollment Period.

Understanding the difference between the two is important to knowing which plans you can qualify for and when.

Open Enrollment Period: The Open Enrollment Period is the best time to enroll in a Government Plan. These are the plans created by the Affordable Care Act. You cannot be denied acceptance to a Government Plan for preexisting medical conditions. These plans also offer subsidies or “discounts” to your premium and costs, but only if you meet certain income qualifications.

For 2017 plans, the Open Enrollment Period is from November 1, 2016 to January 31, 2017. You must enroll by the 15th of the current enrollment month for your coverage to start on the 1st of the upcoming month. For example, you need to enroll by December 15, 2016 for your coverage to start January 1st, 2017.

Learn more about the Open Enrollment Period here.

Special Enrollment Period: The Special Enrollment Period basically begins after the Open Enrollment Period ends. It is the time period outside of Open Enrollment. During this time, the only way to get a Government Plan is you have certain life changes, known as “Qualifying Life Events.”

If you miss Open Enrollment and do not have a Qualifying Life Event, you can still get coverage through a Non-Government Plan. These plans are a great and often inexpensive way to provide you with short term coverage, specifically until the next Open Enrollment Period.

Learn more about the Special Enrollment Period and Qualifying Life Events here.

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