Health insurance before 65, explained by a licensed agent.
Compare real Marketplace prices in about 30 seconds. No phone calls, no lead forms, no spam.
- Insureit Agency LLC, Licensed Health Insurance Producer
- NPN 994557
- MI License 0085834
- FL License W976782
- Enrolls through a CMS-approved Enhanced Direct Enrollment partner
- HTTPS — nothing stored, ever
Start with what just happened
Going freelance
Leaving W-2 coverage behind? How to estimate irregular income, claim the subsidy, and pick a plan that keeps your doctors.
Turning 26
Aging off a parent's plan is a qualifying life event with its own enrollment window. Here's how to use it — and what a first plan really costs.
Lost job coverage
COBRA vs. Marketplace, the 60-day clock, and how to avoid a coverage gap while everything else is up in the air.
The 2026–27 reality, in three numbers
+26%
Average gross premium increase for 2026 — the largest jump since 2018.
Source: KFF
+114%
Average increase in what subsidized enrollees pay after the enhanced tax credits expired January 1, 2026.
Source: KFF
Jan 15
The deadline to enroll in 2027 coverage is January 15, 2027 (open enrollment starts November 1, 2026).
Source: HealthCare.gov
Featured guides
Fair questions
- Is this the government Marketplace?
- No. This is an educational site run by a licensed insurance producer. Enrollment happens through HealthSherpa, a CMS-approved Enhanced Direct Enrollment partner, with the same plans and prices as HealthCare.gov.
- Does using this site cost extra?
- No. Plans cost the same everywhere by law. If you enroll through our link, Insureit Agency LLC becomes your agent of record at no added cost — carriers pay it, you don't.
- Will I get phone calls?
- No. There are no lead forms here — just one ZIP code field that takes you straight to plans. We never collect your phone number.
- When can I enroll for 2027?
- Open enrollment runs November 1, 2026 to January 15, 2027 in HealthCare.gov states. Outside that window, you need a qualifying life event like losing coverage, moving, or turning 26.
Who’s behind this
Every guide on this site is written by our team and reviewed by Insureit Agency LLC, a licensed health insurance producer (NPN 994557) — licensed in 27 states, including Michigan and Florida — before it publishes. In a market this confusing, “a licensed human checked this” is the whole point.
About Insureit Agency LLC, our licenses, and how we make money →