---
title: "Health insurance under 65 | Topflight"
description: "Marketplace health insurance under 65: open enrollment dates, premium savings, what to do after leaving group coverage, and free help from a Topflight agent."
url: https://topflightagent-demo-v3.pages.dev/health-insurance
dateModified: 2026-10-06
---

# Health insurance under 65

For clients

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.
Source: [HealthCare.gov, Open Enrollment Period](https://www.healthcare.gov/glossary/open-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.
More at [topflightmedicare.com/healthinsurance](https://topflightmedicare.com/healthinsurance).

## Talk to a Topflight agent

Free consultation. No pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.

Schedule a free consultation
Call (470) 610-5710
Frequently asked

## Questions clients ask

**When is health insurance open enrollment?**

**Can I get health insurance outside open enrollment?**

**Do I have to pay a Topflight agent?**

Last reviewed: October 6, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.