Clear explanations to help you prepare for a conversation and make an informed decision.
Enrollment
On HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; enrolling by December 15 can allow coverage to start January 1, 2027 if the first premium is paid. Dates may differ in states that run their own exchange. HealthCare.gov
Outside Open Enrollment, qualifying life events may allow a Special Enrollment Period. Check your applicable Marketplace before relying on a deadline.
#Enrollment
Losing qualifying job-based coverage may let you enroll through a Special Enrollment Period, generally within 60 days before or after the loss. HealthCare.gov
Bring the date your current coverage ends to the conversation; eligibility depends on your circumstances.
#Costs & savings
Your monthly premium is only part of the cost: compare the deductible, copays, coinsurance and costs for the care you expect to use. HealthCare.gov
Ask an agent to walk through the trade-offs instead of choosing by the monthly price alone.
#Costs & savings
Marketplace savings depend on your eligibility and expected household income for the coverage year; exact prices and savings are determined through your application. HealthCare.gov
Do not assume an advertised low premium is your final price. We can help you understand which questions to ask.
#Coverage
Check each plan’s provider directory and covered-drug list before enrolling; a plan name alone does not confirm that your doctor or medication is covered. HealthCare.gov
Have your doctors’ names and medication list ready for the agent conversation, not in this website’s contact form.
#Coverage
Marketplace plans must cover pre-existing conditions and cannot reject you or charge more based on your health. HealthCare.gov
When comparing a different type of coverage, ask explicitly about its benefits, exclusions and eligibility rules.
#Enrollment
Review your application and coverage during Open Enrollment so your information and any savings reflect the coming year. HealthCare.gov
Bring your renewal notice and questions about your premium, doctors or medications to the conversation.
#Coverage
Yes. Ask which Marketplace and non-Marketplace options an agent is licensed and appointed to discuss for your situation.
Availability varies by state, area and product. Compare benefits and limitations before deciding; we do not offer every plan.
#Getting help
Start with your ZIP code, whether you have coverage now and what you want help understanding.
Keep any renewal notice handy. Do not send Social Security numbers, payment details or medical information through our contact form.
#Getting help
No. The short form asks a licensed agent to call you. It does not complete an insurance application, enroll you, change your current plan or commit you to buying coverage.
An agent can explain the next steps, and you decide whether to proceed.
#Getting help
No. MarketplaceHQ is a private, licensed insurance agency service, not HealthCare.gov, CMS or a government agency.
You can also get official Marketplace information and enrollment assistance directly from HealthCare.gov.
#Try “doctor,” “cost” or “enroll,” or ask our team.
Talk with a person about the coverage questions on your mind.
Call free: (888) 217-55777 days a week, 8 a.m. to 7 p.m. Eastern
