For clients
Health insurance under 65
If you are not on Medicare and do not have coverage through work, the Health Insurance Marketplace is where most people find a plan. A Topflight agent compares plans and checks your savings at no cost.
When
Open enrollment and special enrollment
- ◆Open Enrollment for Marketplace coverage runs November 1 to January 15 in most states. Enroll by December 15 for coverage starting January 1.
- ◆Special Enrollment Periods open for 60 days after you lose other coverage, move, marry, have a child or have certain income changes.
- ◆Leaving a group plan? Losing employer coverage qualifies you for a Special Enrollment Period.
Costs
Premium savings
- ◆Premium tax credits lower your monthly premium based on household income and size.
- ◆Cost-sharing reductions lower deductibles and copays on Silver plans for qualifying incomes.
- ◆Your agent runs the numbers before you apply, so there are no surprises at tax time.
How we help
What a Topflight agent does for you
- ◆Confirms your doctors and prescriptions are in the plan you pick.
- ◆Compares Bronze, Silver, Gold and Platinum plans on total cost, not just the premium.
- ◆Submits the application, reports changes during the year and helps with renewals.
- ◆Costs you nothing. Agents are paid by the insurance carrier.
Talk to a Topflight agent
Free consultation. No pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.
Frequently asked
Questions clients ask
When is health insurance open enrollment?
November 1 to January 15 in most states, per HealthCare.gov. Enroll by December 15 for coverage that starts January 1.
Can I get health insurance outside open enrollment?
Yes, if you qualify for a Special Enrollment Period, such as losing employer coverage, moving, getting married or having a child. You usually have 60 days.
Do I have to pay a Topflight agent?
No. Consultations are free and the agent is paid by the carrier.
Last reviewed: · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.