In HealthCare.gov states, Open Enrollment generally runs November 1–January 15. Private coverage may be available year-round.

Straight answers. Personal guidance.

Health coverage that fits your life.

Compare ACA Marketplace and private health insurance options for individuals and families—with a licensed broker by your side before, during and after enrollment.

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No-cost consultation • Access to multiple carriers • No pressure

Christina Hough, Licensed Insurance Broker
Christina HoughLicensed Insurance Broker

Choose how you want to start.

Ready for guidance, or still exploring? Take the path that feels right. You can always talk with Christina before enrolling.

Personal guidance

Book a call with Christina

Talk through your household, budget and coverage needs. Get help understanding the options available to you.

Explore first

Browse plan options

Prefer to look around before talking? Use Christina’s secure enrollment link to see available plan options.

You don’t have to decode insurance alone.

A broker helps turn unfamiliar terms, tradeoffs and eligibility rules into a decision you can feel comfortable making.

01

Options explained in plain language

Understand premiums, deductibles, networks and benefits before you choose.

02

Guidance built around your needs

Compare Marketplace and private coverage based on your household and priorities.

03

Support that continues after enrollment

Have a real person to call when you have questions about your coverage.

Enrollment options, made clearer.

ACA and private plans follow different enrollment rules. Knowing the timing can help you choose your next step.

In HealthCare.gov states, Open Enrollment generally runs November 1 through January 15. State-based marketplaces may use different dates. For coverage that starts January 1, the deadline is generally December 15.

Gather your household information, ZIP code and an estimate of next year’s household income. A list of preferred doctors, prescriptions and must-have benefits can also help you compare more than the monthly premium.

Premium tax credits and other savings may be available based on factors such as household size, income, location and eligibility. Christina can help you review the information used to estimate your savings.

Yes. Private health coverage is not limited to ACA Open Enrollment dates. Applications and start dates may be available throughout the year, subject to plan availability, eligibility and the insurer’s rules. Christina can help you compare what is available now.

You may still be able to enroll through a Special Enrollment Period after certain life events, such as losing other coverage, moving, getting married or having a baby. Medicaid and CHIP enrollment are available year-round for people who qualify. Private coverage may also be available outside ACA Open Enrollment.

A helpful enrollment resource

Download the Subsidy Checklist

Use this three-page checklist to gather the household and income details that can help determine whether you may qualify for Marketplace savings.

Download
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