Get a Free Quote

What you pay depends on your ZIP code, age, household size, household income and the plan level you choose. Most people who buy their own coverage qualify for a premium tax credit that lowers the monthly cost. The only way to know your real number is to run your ZIP and household details — that takes about two minutes and costs nothing.

ACA Marketplace Open Enrollment runs November 1 through January 15 in most states, and you must enroll by December 15 for coverage that starts January 1. Outside that window you can still enroll if you have a qualifying life event — losing job-based coverage, moving, getting married, having a baby, or turning 26 — which opens a Special Enrollment Period, usually 60 days from the event. Short-term and supplemental plans can be purchased year-round in states that allow them. A licensed agent can tell you in one call which door is open to you.

Premium tax credits are based on your estimated annual household income and household size relative to the federal poverty level, and on the cost of plans in your area. Many people are surprised to find they qualify — including self-employed people and households well into the middle-income range. We check your eligibility as part of the quote; there is no cost and no obligation.

No. YouHealthGroup is an independent licensed insurance agency. We are not affiliated with or endorsed by the United States government, the federal Medicare program, CMS, or any state or federal agency, and this is not the Health Insurance Marketplace® website. You can always go directly to HealthCare.gov. People work with us because a licensed agent compares on-Marketplace and off-Marketplace options together and handles the enrollment with you on the phone.