GetFastRates.com
Can I Get Health Insurance Right Now?
No insurance terms required. Answer a couple of plain questions about your situation and get a straight answer -- not a guess -- about whether you can enroll in an ACA marketplace plan right now.
Getting coverage outside Open Enrollment
Can I really get health insurance any time of year?
Not automatically. Most years, ACA marketplace enrollment is limited to the annual Open Enrollment Period. Outside that window, you can generally only enroll if you have a qualifying life event that opens a Special Enrollment Period -- this tool helps you check whether your situation is one of those.
What if none of the situations listed apply to me?
Say so honestly rather than guess -- some situations genuinely don't open a Special Enrollment Period, and a licensed agent can double-check your specific case or help you plan for the next Open Enrollment Period instead.
Does this tool enroll me or make a final eligibility decision?
No. It's an educational estimate based on published federal Marketplace rules. Your actual eligibility and deadline are confirmed through the Marketplace, generally with a licensed agent's help.