Find affordable health plans

1689 Antique World Globe Map Mens Button Down Short Sleeve Shirt
Puppy Party Mens Button Down Short Sleeve Shirt
Gladiator Fight or Die Mens Button Down Short Sleeve Shirt find a plan

Your guide to buying affordable health insurance

Open enrollment for 2019 has ended, but millions of Americans can still buy coverage. Here's what you need to know to buy a plan that's right for you.

Doxie Dachshund Dogs Mens Button Down Short Sleeve Shirt

Buying affordable health insurance for 2019

  • Open enrollment for 2019 coverage has ended, but if you have a qualifying event, you can still buy 2019 coverage.
  • If you have a qualifying event,are still available.
  • Grey & purplec Tribal Arrows Mens Button Down Short Sleeve Shirt
  • For millions who can’t afford ACA-compliant coverage, could provide a temporary safety net
  • Snow Flakes Mens Longsleeve Tee Shirt
  • New have expanded consumers’ access to short-term plans.
  • The Texas court ruling to overturn the ACA
  • Christmas Cookies Mens Longsleeve Tee Shirt

The Affordable Care Act’s annual for 2019 coverage has ended in all states. It’s the much-heralded end of open enrollment for most people in the individual market – but millions seeking coverage will still find that they’re not out of coverage options.

South Western Mountain Ranges Mens Button Down Short Sleeve ShirtSnowmen and Candy Canes Mens Longsleeve Tee ShirtUgly Christmas Sweater Mens Longsleeve Tee Shirt

Extended eligibility thanks to qualifying events

NEW: Give yourself an 11-step financial check-up. PRO-TIP: Remember that you can make HSA deposits up to the April 15 tax filing deadline.

If you have a you may still have an opportunity to enroll in an ACA-compliant plan (or switch to a different plan) before open enrollment for 2020 coverage.

Thor Logo Avengers Superhero Inspired Mens Longsleeve Tee Shirt

As our updated Insider’s Guide to Obamacare’s Special Enrollment explains, there’s a long list of qualifying events that could trigger a special open enrollment window for you. Among them:

Alternatives to ACA-compliant coverage

Short term policy availability by state.

Rip Curl Stripy Slub Mens T-shirt - Anthracite All Sizes Buy short-term health coverage for a little as $50 a month.

Texas judge’s ruling does not change anything about 2019 coverage

I-N-C Mens Stretch Button Up Shirt red LMens PETER HOE EVOLUTION Hawaiian Green bluee Batik Summer ShirtS M46" ChestJohn W. Nordstrom Signature Men's Button Down White Traditional Fit Size 16 37

On December 14, 2018 – a little more than 24 hours before the end of open enrollment – a federal district court judge in Texas ruled that the entire ACA is unconstitutional. This was not unexpected, and his ruling had been anticipated for several weeks.

Volcom Static Shop Bsc Ss Baumwolle T-Shirt in Weiß & black A3511862

The plaintiffs in the lawsuit (18 Republican attorneys general and two Republican governors) argued that because the ACA’s individual mandate penalty no longer exists after the end of 2018, the rest of the ACA is no longer constitutional. This is certainly a stretch, from a legal perspective, but the judge agreed with the plaintiffs.

Despite the headlines about the ACA being ruled unconstitutional, it’s important to understand that this case is far from over and could eventually make its way to the Supreme Court. Shortly after the ruling was announced, CMS Administrator Seema Verma that “the exchanges are still open for business” and that “there is no impact to current coverage or coverage in a 2019 plan.”

A guide to individual and family health insurance

RALPH LAUREN Men CLASSIC-FIT blueE LONG-SLEEVE BUTTON DRESS SHIRT 15.5 32 33

As much as we love the Affordable Care Act, we know as well as anyone that the individual health insurance market continues to be a source of confusion for many consumers.

Patagonia Mens Shirt XL Collared Short Sleeve Button Organic Cotton Green Plaid

Since 1994, this website has been a guide for consumers seeking straightforward explanations about the workings of individual health insurance – also known as medical insurance. Within this site, you’ll find hundreds of articles loaded with straightforward explanations about health insurance – and the health law – all written by a team of respected Montique Purple Button Down Shirt Long Sleeve Men's Leisure Suit 3XL.

Our most popular resources include:


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the The Men's Store at Bloomingdale's Linen Regular Fit Button-Down Shirt Sepia XL for healthinsurance.org. Her are regularly cited by media who cover health reform and by other health insurance experts.

Shopping tools

Health insurance quotes

Shirt Men Long Sleeve Patchwork Tuxedo Shirts spring Summer Single-Breasted
Buffalo David Bitton Hoodie T-shirt Tank Top Medium Men’s Lot Clothes Lot Of 3

Dental savings

RX discounts

Travel insurance

Get your 1095-A