Under 65 Health Insurance Plans

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Open enrollment for individual health insurance plans started November 1! Don't miss out on securing your health coverage! P. Koehler Insurance Services, a health insurance agency can help you make the process fast and easy. Click get a quote to get started today.

The Marketplace is designed to help you find health insurance plans that meet your needs and fit your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options and other health insurance.

The government offers subsidies only if you enroll through the Marketplace.  There are two types of subsidies. A premium tax credit helps make your monthly premium payments lower and cost-sharing reduction lowers the amount you pay for health insurance deductibles, copayments and coinsurance. 

P. Koehler Insurance Services, a health insurance agency, can help you enroll through the Marketplace or handle the whole process. No matter who helps you, you can get premium tax credits and other savings ONLY if you enroll in a Marketplace plan. 

The yearly period (November 1 – January 15) when people can enroll in a Marketplace health insurance plans. Outside Open Enrollment, you may still be able to enroll in a Marketplace coverage if you have certain life events, like getting married, having a baby, or losing other health coverage, or based on your estimated household income.

You can enroll if you have certain life events or income, or you qualify for Medicaid or CHIP.  Here are some common special elections.

Reach out to P. Koehler Insurance Services, a health insurance agency to see if you may qualify for a Special Enrollment Period such as if you lose qualifying health coverage you had through a parent, spouse, or other family member. This might happen if you lose health coverage because:

• You turn 26 (or the maximum dependent age allowed in your state) and can no longer be on a parent’s plan.
• A family member loses health coverage or coverage for their dependents.
• A divorce or legal separation.
• The death of a family member.
• You’re no longer a dependent.

You won’t qualify for a Special Enrollment Period if you chose to drop the coverage you have as a dependent, unless you also had a decrease in household income or a change in your previous coverage that made you eligible for savings on a Marketplace plan. 

You may qualify you for a Special Enrollment Period to enroll in insurance plans if you move to:

• New home in a new ZIP code or county
• The U.S. from a foreign country or United States territory

Or, move to or from:

• Place you attend school (if you're a student)
• Place you both live and work (if you're a seasonal worker)
• Shelter or other transitional housing

Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period. You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don't need to provide proof if you’re moving from a foreign country or United States territory.