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Miss open enrollment? You still have options.

How you could still be eligible for ACA-compliant health insurance – and if you aren’t – how you can stay insured until November 15

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Obamacare’s first open enrollment period has passed and many Americans are convinced that affordable health insurance is out of reach. In truth, millions with special circumstances are still eligible to enroll outside of open enrollment.

What’s more, those who aren’t eligible still have insurance options that can provide a safety net until the next open enrollment period, which starts November 15.

You’ve still got coverage options

You may be able to buy an ACA-compliant major medical policy right now if you’ve had a qualifying event – a major life change that makes you eligible for a special enrollment period. (For more specifics, read our guide to qualifying events, or call 1-800-987-6810 to discuss your specific situation with an expert.)

Even if you’re not eligible for a special enrollment period, you don’t have to wait for coverage until November (and we strongly advise that you don’t). This site can help you understand coverage options like short-term health plans. (A short-term policy can be considerably less expensive than a qualified health plan – and you can often get coverage within a day.)

Health insurance in a changing marketplace

Health insurance – also known as medical insurance – can be confusing. We know, because since 1994, healthinsurance.org has been a guide for consumers seeking straightforward explanations about the workings of individual health insurance – and help finding affordable coverage.

Thanks to health reform, comprehensive coverage and affordable healthcare is now accessible to millions who for years couldn’t afford it or who were denied coverage due to pre-existing conditions.

Insurance is still confusing, but we’re here with more information than ever: educational articles, expert health policy analysis, frequently asked questions about reform, a health insurance glossary, and guides to the health marketplaces and other insurance resources in each state.

Coverage tailored to your needs

We’re also here to help you find coverage. Though healthinsurance.org does not sell health insurance, we partner with more than a half dozen other partners who do. That allows us to help you get health insurance quotes quickly and easily. Simply enter your ZIP code to find coverage that fits your needs.

Your patronage of our partners helps fund our mission, allowing us to hire the experts who create and edit a vast collection of articles and resources that can help you navigate the promising landscape of the Affordable Care Act.