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Free enrollment assistanceLicensed in multiple statesEnglish & EspañolEnrollment deadlines, decoded.
Get expert assistance with enrollment periods, important deadlines, and step-by-step guidance for all your insurance needs — health Marketplace, Medicare, Medicaid & CHIP. Miss a window and it can cost you for years. We make sure you never do.
When can you actually enroll?
Marketplace health coverage runs on a calendar — but life events open extra doors, and some programs never close. Here's every window, in plain English.
Open Enrollment Period
November 1 – January 15The annual period when anyone can enroll in or change Marketplace health insurance plans for the following year. No qualifying event needed — just don't miss it.
Special Enrollment Period
60 days after a qualifying eventAvailable after life changes like marriage, job loss, moving, or having a baby.
Qualifying events:
- Loss of health coverage (job loss, divorce)
- Changes in household (marriage, birth, adoption)
- Changes in residence (moving to a new area)
- Changes in income (affects subsidy eligibility)
Medicaid / CHIP Enrollment
Year-roundYou can apply for Medicaid and CHIP any time of year. If you qualify, coverage can start immediately — no waiting for an enrollment window.
Medicare runs on its own clock.
Four different windows, four different rules — and missing the first one can mean late-enrollment penalties for life. Here's the map.
Initial Enrollment Period
3 months before to 3 months after turning 65Your first chance to enroll in Medicare — a 7-month window around your 65th birthday. Missing this deadline can result in late enrollment penalties that follow you permanently.
Annual Open Enrollment
October 15 – December 7Change Medicare Advantage or Part D plans, or switch between Original Medicare and Medicare Advantage for the coming year.
Medicare Advantage Open Enrollment
January 1 – March 31If you're in a Medicare Advantage plan, you can switch to another MA plan or return to Original Medicare — one change, once a year.
Special Enrollment Periods
Various triggers throughout the yearMoving, losing coverage, or qualifying for Extra Help can trigger special enrollment opportunities outside the standard windows.
Not sure which window applies to you? That's exactly what a free call is for — we'll check your dates, your plan, and your penalty exposure in minutes.
Five steps from confused
to covered.
Enrollment isn't complicated when someone walks you through it. Here's the exact process we follow with every client — and the paperwork to have on hand.
Assess your needs
Review your current health, medications, and preferred doctors to determine what coverage you actually need.
Compare plans
Look at premiums, deductibles, networks, and covered services to find the best value for your situation — not just the lowest sticker price.
Gather documents
Collect your Social Security number, tax returns, employer coverage information, and current insurance details.
Complete the application
Submit your enrollment application online, by phone, or with the help of a licensed agent — we handle the forms with you.
Confirm coverage
Receive confirmation and ID cards, then pay your first premium to activate coverage. We double-check that everything went through.
Bring these to your call & we can often finish enrollment same-day.
What costs people money —
and what saves it.
After thousands of enrollments, the same handful of mistakes shows up again and again. Here's the cheat sheet.
⚠️ Costly mistakes
- Missing enrollment deadlines
- Not checking provider networks
- Ignoring prescription coverage
- Choosing based on premium only
- Not updating after life changes
✅ Smart strategies
- Start shopping early
- Calculate total annual costs
- Verify doctor participation
- Review plan changes annually
- Work with licensed experts
Don't navigate enrollment alone.
Our licensed experts will guide you through every step of the process — and it never costs you a dime more than enrolling on your own.
No cost for our services
You pay nothing for our help — agent assistance is built into the system, with zero markup on your premium.
Expert knowledge of all options
We compare across carriers and plan types, not just one company's lineup.
Help with applications & enrollment
We complete the paperwork with you and make sure it's submitted correctly the first time.
Ongoing support & advocacy
Claims questions, plan changes, life events — we stay in your corner long after enrollment day.
Navigate complex rules & deadlines
SEPs, IEPs, penalties, exceptions — we track the rules so you never get caught out.
30 years in the financial & healthcare industries
Three decades of industry knowledge, applied to your enrollment by licensed agents.
Your deadline is coming.
Let's beat it together.
Free, no-pressure enrollment assistance from licensed professionals. We'll check your windows, compare your options, and walk you through every step.