Even if you’re healthy now, health insurance protects you from unexpected costs and helps you stay healthy over time.
Many people qualify for subsidies that lower premiums - sometimes to $0 per month. HealthSherpa can show you instantly if you qualify and help you enroll in minutes.
Why coverage matters
Unexpected care: Accidents or sudden illnesses can be very expensive without insurance.
Preventive services: Marketplace plans include free preventive care like annual checkups, vaccines, and screenings, which help you catch issues early.
Financial protection: Insurance limits your out-of-pocket costs through deductibles, copays, and out-of-pocket maximums — so one medical bill doesn’t turn into unmanageable debt.
Peace of mind: Coverage means you don’t have to delay care or worry about whether you can afford treatment.
Enrollment windows: Anyone eligible for Marketplace coverage can apply November 1 - January 15, 2026, but you have a qualifying live event to enroll outside of this window. If you experience a medical emergency without insurance, you will not able to enroll in coverage without a qualifying life event and will pay full price for all medical coverage.
Why use HealthSherpa
HealthSherpa makes it easy to shop for the right plan, apply for coverage, and see if you qualify for financial help. Our platform is free to use, shows the same plans and prices as the Marketplace, and lets you compare options side by side so you can choose confidently. Once you enroll, you can manage your application, upload documents, and track your coverage all in one dashboard.
Need help?
Our Consumer Advocate team is here to help with questions about your application or coverage. We’re available at 855-772-2663, Monday – Friday from 6am – 4pm PT.