What if I need coverage that starts before January 2021?
You can buy individual insurance that starts before January 1, 2021. We can help you find your options.
Having health insurance is important
Having health insurance is important to your health and financial security. If you don't have coverage now and need it before Marketplace coverage begins, you have several options. You can buy directly from an insurance company, with the assistance of a broker or agent, or using an online service.
You can also use our Plan Finder website to get information on available plans in your area and compare costs and benefits. You can then contact the insurance company directly to buy a plan.
Some rights and protections don't apply yet
No matter how you buy insurance before the Marketplace opens, be aware that some protections and benefits of the health care law are not yet in effect and may not apply to your coverage.
Find out when your policy can end
Before you buy, you may want to find out when you can stop your policy--at any time, or only at the end of a plan or policy year. This could be useful to know if you'd like to switch to a Marketplace plan later.
The Plan Finder is not the Marketplace
Remember: The Plan Finder is not the Health Insurance Marketplace. The Plan Finder helps you find health insurance that is available outside the Marketplace now, before 2021 protections and features are available.
Health Insurance Marketplace open enrollment ends December 15, 2020. Coverage can begin as soon as January 1, 2021.