How Do You Buy Health Insurance -

Depending on your situation, you have several avenues for purchasing:

The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states.

A window outside of Open Enrollment triggered by "qualifying life events," such as getting married, having a baby, or losing existing coverage . 2. Choose Where to Shop

The official government platform ( HealthCare.gov ) for individual and family plans. This is the only place to qualify for premium tax credits that lower your monthly costs.

You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies.

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Depending on your situation, you have several avenues for purchasing:

The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states.

A window outside of Open Enrollment triggered by "qualifying life events," such as getting married, having a baby, or losing existing coverage . 2. Choose Where to Shop

The official government platform ( HealthCare.gov ) for individual and family plans. This is the only place to qualify for premium tax credits that lower your monthly costs.

You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies.

how do you buy health insurance