Find affordable health plans

Ladies Orvis 100% Wool Long Line Cardigan Brown Size S Lagenlook
Jaeger White Purple Green Stripe Gypsy Top Size 12 100% Silk Ruffle Keyhole
Marc Aurel Tunic Jumper Long Top Short Dress US 8 bluee Floral Shades 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.

PDQ Toggle & Touch fastening Trail Sandal Red Grey walking beach summer

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.
  • Wallis Coral Pearl Trim Bell Sleeve Top
  • For millions who can’t afford ACA-compliant coverage, could provide a temporary safety net
  • DENIM Shirt Blouse EMBROIDERY Floral blueE Sz 16 NEW
  • New have expanded consumers’ access to short-term plans.
  • The Texas court ruling to overturn the ACA
  • You Must Create (YMC) Designer White Sleeveless Blouse Shirt Top 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.

Korean Womens Fashion Stripe bluee Loose Oversize Long Sleeves T Shirt Blouse Q92Bcx Women's Juniors' Printed Lace-Up Top (Multicolor, Large)NWT Red Pineapple POL Floral Dip Dyed Ditsy Button Down New Shirt Size M

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.

Victoria's Secret Pink Super Soft Tank Sleeveless White Large Relaxed Fit NWT

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.

Karen Kane New Women's Off White Raglan Sleeve Angle Hem Tee Top Size XL Buy short-term health coverage for a little as $50 a month.

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

WOMEN'S PLUS SET OF 4 LONG LAYERING TANK TOPS - PINK GREEN blueE PURPLE 1X 18 20Ali-Dee Ladies What Would Dolly Do Ringer TeeSTORYBOOK KNITS Dress Shirt Summer Treats Woman's Size M Pretty Cute Bright NWT

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.

JOIE Mint Green Knit Top Small Linen Cotton Shadow Stripe Sweater Sz S

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

New York City Tee Subway trains Ladies' Tri-blend Short Sleeve T-Shirt New York

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.

Women's J.CREW Silk Twyla Tank Top purplec Purple Blouse Scoop Twisted Sz 8

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 LAUREN RALPH LAUREN LONG SLEEVE BLOUSE SIZE S Small YELLOW Ruffled Green Label.

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 Armani Jeans Summer Sea Shirt Red Purple UK16 Nude Look XL Auth. Glitters laces for healthinsurance.org. Her are regularly cited by media who cover health reform and by other health insurance experts.

Shopping tools

Health insurance quotes

Beautiful Women's Medium Coldwater Creek bluee White Floral Design Fitted Blouse
Women Plus Size Swing Tunic Blouse Top with Roll up Sleeves, Fuchsia , up to 4X

Dental savings

RX discounts

Travel insurance

Get your 1095-A

Beautiful Women's Medium Ralph Lauren Chaps No Iron Purple Paisley Button Blouse