Under 65 · Individuals & Families

Obamacare & Off-Exchange health plans

Search and compare Obamacare marketplace and Off-Exchange health insurance plans available in your area.

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Quickly search health insurance plans available in the market. No personal contact information required to price and compare plans.

What is Open Enrollment?

What is Open Enrollment?

November 1 – January 15 (2026 plan year)

The time period when anyone can sign up for a new plan or change their health plan for the upcoming year. Some states have extended periods.

Special Enrollment Period

Do I qualify for a Special Enrollment Period?

Outside Open Enrollment, you need a qualifying life event — like moving, getting married or divorced, having a baby, or losing job-based coverage.

When can I enroll for 2026?

Open Enrollment is November 1 – January 15

During this time anyone can sign up for a new plan or change plans. Coverage begins January 1st. To enroll outside this window, you must qualify for a Special Enrollment Period through a qualifying life event, such as:

  • Got married
  • Had a baby or adopted a child
  • Got divorced or separated and lost coverage
  • Moved to a new permanent address
  • Change in income
  • Gained U.S. citizenship or legal residency
  • Lost job-based or COBRA coverage
  • Lost Medicaid, CHIP, or Medicare eligibility
  • Lost coverage through a family member
Savings Tip

Save with a Health Savings Account (HSA)

Certain plans are HSA-eligible, letting you pay for medical expenses with tax-free dollars. Health Plan Radar shows you which plans qualify.

Browse 2026 health plans by Insurance Company or by State

Pick a carrier to see where it offers plans and compare its lineup.

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See every 2026 plan available in your state, grouped by type.

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Guides & FAQs

Understand your options before you choose a plan.