2015 Open Enrollment Starts November 15!

Due to heavy volume expected this year, don’t wait until the deadline to enroll. Start the process today to ensure you get covered on time. For a complete list of deadlines for 2015 Open Enrollment go here.

Need insurance right now? Sign up for short-term insurance
until open-enrollment starts on November 15.

Over 8 Million
Have Enrolled!

The average amount paid by all Americans enrolled in Obamacare was only $82 per month after their tax subsidy. That’s a 76% discount off the cost of their insurance. Learn more.

Obamacare Essential Benefits

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  1. Outpatient care, or ambulatory services
  2. Prescription drugs
  3. Emergency care
  4. Hospitalization
  5. Mental and behavioral health care
  6. Rehabilitative and habilitative care
  7. Laboratory tests
  8. Preventive and wellness services
  9. Pediatric care
  10. Newborn and maternity care

learn more

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Frequently Asked Questions

When is the 2015 open enrollment period?

It starts November 15 and runs until February 15. In 2014 this was a 6 month period, however it’s only 3 months for 2015. For a complete timetable and deadlines for 2015 go here.

What happens if I don't sign up for Obamacare?

If you don’t have insurance, you’ll be fined and you won’t be able to receive free tax subsidies to reduce your monthly cost until enrollment re-opens in November. For 2015 the fine is 2% of your yearly income or $325 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year. In 2016 it is 2.5% of income or $695 per adult, whichever is higher.

What if I can't afford health insurance?

If you’re unemployed or make less than $46,680 a year you can get a tax subsidy to help you. Try our calculator or give us a call. Also make sure you know all your options and read our “6 Must-Read Options to Consider Before Enrolling” 

How can I get a tax subsidy to lower my costs?

There are a number of ways to qualify. Even if you exceed the minimum of $46,680 as an individual, you may be able to qualify for credits. Learn more. 

What is short-term health insurance?

Short-term insurance are temporary health insurance plan designed for people without health insurance or can’t afford the rates of major medical coverage. Generally rates are far cheaper than Obamacare, however you can only have short-term insurance for less than 12 months and you’ll have to provide any medical conditions that may increase your rate, unlike with Obamacare. Also, since it’s not considered minimum essential coverage under the Affordable Care Act (ACA), and you’ll have to pay a tax penalty at the end of the year – about 2% of your annual salary in 2015. You can view short-term plans here. 

How do I apply for 2015 plans?

Complete the short form here to view rates and enroll online. 

Still have questions? Give us a call or read more in our news section.