ACA Enrollment Help: When and How You Can Sign Up
Not sure which enrollment window applies to you? Licensed health insurance agents can explain the dates, documents, and steps for ACA Marketplace coverage.
Answer a few questions to be connected with a licensed agent
Enrollment Questions a Licensed Agent Can Walk You Through
Open Enrollment
Find out when the yearly window opens and closes where you live, and how the deadline affects your start date.
Special Enrollment Periods
Moving, marriage, a new baby, or losing other coverage may open a window outside Open Enrollment, usually for a limited time.
Documents and Information
Learn what to have ready, such as household size, an income estimate, and details about current coverage.
How Enrollment Help Works
Tell Us Your Situation
Share your household and any recent life changes through a short form.
Get Connected
We connect you with a licensed health insurance agent in our network.
Walk Through Enrollment
The agent explains which dates apply, what you need, and the options available. You decide what to do next.
What You Should Know
Deadlines Matter
Open Enrollment typically runs from November 1 to January 15 in most states, but coverage that starts January 1 generally requires enrolling by mid-December. Some state Marketplaces use different dates, so check HealthCare.gov or your state Marketplace for this year's exact schedule.
Enrolling a Family
You can apply for your whole household in one application. The Marketplace application also screens for Medicaid and CHIP, which children may qualify for depending on household income and state rules.
Free Resources
You can enroll directly through HealthCare.gov at no cost, or call 1-800-318-2596 (TTY 1-855-889-4325). Our licensed agent partners provide an alternative path with personalized guidance, also at no cost to you.
Frequently Asked Questions
Is ACA Direct Plans part of HealthCare.gov or the government?
No. ACA Direct Plans is an independent advertising and marketing service, and is not affiliated with or endorsed by the U.S. government, CMS, HealthCare.gov, the Health Insurance Marketplace, or any federal or state agency. You can enroll in Marketplace coverage directly and for free at HealthCare.gov or by calling 1-800-318-2596 (TTY 1-855-889-4325).
What does it cost to use ACA Direct Plans?
Nothing. Submitting the form and speaking with a licensed agent partner costs you nothing. ACA Direct Plans may receive compensation from its agent and broker partners for referrals.
When can I enroll in an ACA Marketplace plan?
Open Enrollment typically runs from November 1 to January 15 in most states, with an earlier deadline for a January 1 start. Our blog guide to Open Enrollment dates and deadlines explains how the dates work.
What counts as a qualifying life event?
Losing other coverage, moving, getting married, or having a baby are common examples, and each has its own time limit. Our blog guide to Special Enrollment Periods covers the details.
Do I qualify for a premium tax credit?
It depends on your household income and size. Premium tax credits can reduce the monthly cost of a Marketplace plan, but eligibility is determined by HealthCare.gov or your state Marketplace, not by ACA Direct Plans.
What do the metal tiers mean?
Bronze, Silver, Gold, and Platinum describe how you and the plan share costs, not the quality of care. A licensed agent can explain how the tiers compare for your household.
What happens after I submit the form?
You may be contacted by a licensed health insurance agent or broker in our partner network, who can review ACA Marketplace and other coverage options with you. There is no obligation to enroll.
About ACA Direct Plans
ACA Direct Plans is an independent advertising and marketing service. It connects people with licensed agents who can explain ACA enrollment dates, documents, and steps. It is not an insurance company and is not affiliated with HealthCare.gov or any government agency.