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Know your window. Get your quote. Be ready.

UnaEnroll shows which sign-up window applies to you, what paperwork to gather, and prepares your health insurance quote ahead of the deadline.

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Illustration: a desk calendar turned to November 1, an open filing drawer of folders and an hourglass, standing on a plinth ringed by a dashed year line with the fall sign-up stretch marked in yellow

Two ways to sign up for an ACA plan

Open Enrollment

Every fall · begins November 1

Anyone can pick a new individual or family plan or switch plans. The closing date depends on your state, and the date you sign up decides when coverage starts. Earlier usually means a January 1 start.

Special Enrollment Period

Any time of year · usually 60 days

Certain life changes open a window outside the fall period, generally lasting 60 days from the event. Miss it and you may need to wait for the next Open Enrollment.

Life changes that commonly open a Special Enrollment Period

  • Lost coverage A job-based plan ended, or you aged off a parent's plan at 26.
  • Moved To a new ZIP code or county with different plan options.
  • Household changed Marriage, a birth, or an adoption.
  • Coverage became unaffordable For example, an employer plan's cost changed.

Exact rules and documents required vary. The Health Insurance Marketplace or your state exchange makes the final call on any Special Enrollment Period.

The before-you-apply checklist

Applications go faster with the details in hand. Gather these first and an application can take minutes instead of an afternoon.

  1. Dates of birth for everyone who needs coverage
  2. Your best estimate of household income for the coverage year
  3. Details of any job-based coverage offered to anyone in the household
  4. Current insurance policy numbers, if any
  5. A list of doctors you want to keep and prescriptions you take

Request your quote

What has you looking at coverage now?
Who should the quote include?
What coverage do you have today?
Your contact details

By clicking "Request My Quote", I provide my electronic signature and prior express written consent to be contacted by UnaEnroll regarding my inquiry at the phone number and email address I provided, including through automated telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. I may revoke consent at any time by replying STOP to any text or emailing [email protected]. Calls may be recorded for quality assurance.

FAQ

Will UnaEnroll sign me up for a plan?
No. UnaEnroll prepares quotes and explains how enrollment works, but it does not enroll anyone. It is not a government agency and is not affiliated with or endorsed by HealthCare.gov.
What does it cost?
Nothing. There is no cost to use UnaEnroll and no obligation to purchase anything.
I missed Open Enrollment. Is it too late?
Not always. A recent life change may give you a Special Enrollment Period, usually 60 days long. Check the list above.
Why the optional text boxes?
Some people like a text when their quote is ready. Others don't. Each box is separate, starts unchecked, and you can reply STOP at any time.
Who sees my information?
UnaEnroll and its contracted service providers, which act solely on UnaEnroll's behalf, only to handle your request. Your mobile number and SMS consent record are not for sale and are never handed over for outside marketing. Details in the Privacy Policy.