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You have 19 days to shop if you need coverage to start Jan. 1.

Open enrollment for affordable health insurance

Learn, compare, save. We’ll help you choose the right coverage.

The 2015-2016 Obamacare open enrollment period is your opportunity to buy individual health insurance for 2016. The three-month enrollment window, which started November 1 and ends January 31, 2016, is an annual opportunity for Americans to enroll in an ACA-compliant health plan. (Enroll by December 15 if you need coverage that starts on January 1.)

It’s time to enroll

Although a fraction of the population still believes they don’t need health insurance, most Americans are getting the message that it’s getting easier to research and buy coverage – whether it’s through the exchanges (where subsidies are available) or off-exchange. (Of those who recently enrolled through the marketplaces, 85 percent received premium tax credits.)

Thanks to improved online tools, it’s easier than ever to compare health plans – from benefits to premiums and out-of-pocket expenses – while the federal government has mandated improved transparency regarding networks and formulary information.

Of course, by purchasing coverage, you can also avoid or minimize an Obamacare penalty established through the ACA’s individual mandate. Those penalties are increasing again for people who are uninsured and not exempt from the requirement to have health insurance.

But most important of all, it simply makes sense to cover yourself and your family with an ACA-compliant plan that covers the essential health benefits and offers a full range of consumer protections – including protection from staggering financial burdens that result from medical care.

About us: your guide to family health insurance

At, we don’t sell insurance, but we do partner with qualified call centers staffed with agents who are both licensed in your state and exchange-certified. These partnerships also allow us to deliver health insurance quotes quickly and easily.

Since 1994, this site has been a guide for consumers seeking straightforward explanations about the workings of individual health insurance – also known as medical insurance – and help finding affordable coverage.

The topic of insurance can be confusing, but we’re here with more information than ever: educational articles, expert health policy analysisfrequently asked questions about reform, a health insurance glossary, and guides to the healthcare marketplaces and other insurance resources in each state.

Don’t hesitate to let us know if you hit a snag in the process – or if you’re stumped by a question about health coverage. Of course, we’d also love to hear about your success in getting coverage and quality healthcare.

But today, with the complexities of premium subsidies, cost-sharing subsidies, penalties – and now qualifying events and special enrollment periods – it’s a smart move to talk to a professional who can help minimize your cost and maximize your benefits, and save you research time. Call 1-877-809-0501 to get free assistance.

Millions already enrolled

Millions of U.S. citizens have purchased qualified health plans (QHPs) during the Affordable Care Act’s first two enrollment periods. To date, more than 12 million are enrolled in private health plans through the ACA’s health insurance marketplaces. In fact, recent polls have shown that the number of uninsured in the U.S. continues to drop in most states.

More good news? More Americans than ever are eligible for coverage that’s been made more affordable by Obamacare subsidies. A new Kaiser Family Foundation analysis reveals that nearly half of the nation’s 32.3 million nonelderly uninsured are eligible for Medicaid or subsidized coverage through an ACA marketplace. (Twenty-two percent are eligible for marketplace subsidies.)

Open Enrollment 2016

What: The Affordable Care Act (Obamacare) open enrollment period for 2016 coverage.
When: November 1, 2015–January 31, 2016
Where: Right here at