Question 1

'How can I get a quote?'

Accepted Answer

'You can get a quote by contacting our licensed agents by calling our customer service hotline at +1 (888) 431-3014 or by filling out our online contact form on the Get Quote page.'

Question 2

'When can I enroll in a health insurance plan?'

Accepted Answer

'It is depends on the plan. For private plans, you can enrol at any time. But for government-sponsored plans, you can enroll during the annual Open Enrollment Period (November 1 - January 15), or during a Special Enrollment Period if you experience a qualifying life event such as marriage, birth of a child, or loss of other coverage. Some plans may offer year-round enrollment.'

Question 3

'Can I switch plans?'

Accepted Answer

'Yes, a person can switch a Health Insurance Marketplace plan during the year only if they qualify for a Special Enrollment Period (SEP). Outside of Open Enrollment, you generally cannot change plans unless a qualifying life event occurs. Common qualifying life events that allow a mid‑year change A Special Enrollment Period is usually triggered by certain life changes, such as:
Loss of health coverage
Employer coverage ends
COBRA ends (after full eligibility period)
Aging off a parent’s plan at age 26

Household changes

Marriage
Birth, adoption, or foster placement of a child
Divorce or legal separation if coverage is lost
Death of someone on the plan

Change in residence

Moving to a new ZIP code, county, or state that offers different plans
Moving to or from a shelter or other transitional housing

Other qualifying events

Changes in income that affect subsidy eligibility
Gaining U.S. citizenship or lawful presence

Other situations

Certain income changes that affect subsidy eligibility
Gaining U.S. citizenship or lawful presence

Timing rules

Most SEPs last 60 days from the date of the qualifying event (some allow 60 days before the event)
Coverage usually starts the first day of the month after plan selection, though births and adoptions can be retroactive to the event date
Documentation is often required to prove the qualifying event

When you cannot switch mid‑year

Simply wanting a better or cheaper plan
Voluntarily canceling coverage
Missing the 60‑day SEP window
Losing coverage due to non‑payment of premiums
In these cases, the person must wait until Open Enrollment (typically starting November 1) to make changes.

Bottom line

✔ Yes, a Marketplace plan can be changed mid‑year
✖ Only with a qualifying life event and within the SEP timeframe

If you’d like, our agents can also help you:

Determine whether a specific situation qualifies for an SEP
Explain how subsidies change when income or household size changes
Compare plan options after a qualifying event
Provide personalized assistance with enrollment or plan changes
Just give us a call at +1 (888) 431-3014 or fill out our contact form on the Get Quote page, and we’ll be happy to assist you!

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Question 4

'Do you charge for your services?'

Accepted Answer

'No, our services are completely free for consumers. We are compensated by insurance carriers when we help you enroll in a plan, but this does not affect the price you pay for your insurance. Our goal is to provide you with unbiased assistance to find the best health insurance plan for your needs at no cost to you.'

Question 5

'How are subsidies calculated?'

Accepted Answer

'Subsidies for health insurance plans purchased through the Health Insurance Marketplace are calculated based on your estimated annual income and household size. The subsidy amount is designed to reduce your monthly premium costs, making coverage more affordable. The exact subsidy you receive will depend on the cost of the benchmark plan in your area and your income relative to the federal poverty level. You can use the Marketplace calculator or speak with one of our agents to get a personalized estimate of your potential subsidies.'

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