Open enrollment starts November 1. Most people find out what their plan doesn't do in March.
A licensed advisor's walkthrough of what actually changes your price and your coverage — before you click enroll on something you'll be stuck with until next January.
The subsidy you're counting on may not be there. Premium tax credits phase out as income rises, and the cutoff is tighter than it's been. Worth knowing where you land before you shop.
A Marketplace plan is what it is. Standardized by design — no swapping the deductible, no reshaping the network. That's the tradeoff for guaranteed issue, and it's a fair one. Just know it going in.
HMO and PPO are not the same purchase. One assigns you a doctor and a local network. The other lets you pick, and keeps working when you leave the county.
The window closes. Miss it and you generally need a qualifying life event to get in. Private plans don't run on that calendar, which matters if your timing doesn't line up.
Get the free Open Enrollment Survival Guide — five questions to answer before you pick a plan, plus a side-by-side of what actually differs between the Marketplace and the private market. Two pages. No jargon.
Kevin McCarthy · Licensed health insurance advisor, six years · licensed in 27 states · NPN #14158956Spent decades in professional kitchens before this, and ran my own restaurants for about 30 years — so I've been the guy buying his own coverage and hoping nothing happened. If the Marketplace is where you belong, I'll tell you that, and it costs me nothing to say it.Rather just talk? Book 15 minutes → calendly.com/kmacchealth · 954-800-9802
Educational only, not an offer of coverage. Plan availability, benefits, and eligibility vary by state and by individual underwriting.