The Real Cost of Going Without Coverage
When you’re uninsured or paying out of pocket, every medical visit carries financial risk. An unanticipated illness, injury, or diagnosis can lead to medical bills that are difficult—and sometimes impossible—to manage on your own. Without coverage, delayed care can lead to conditions that become more serious and costly over time.
Without active health insurance:
THE GOOD NEWS
Coverage may be more accessible and affordable than you think,
and our Insurance Advocates can help you find out.
What Coverage Options
May Be Available to You
The Affordable Care Act (ACA) Marketplace offers a range of health insurance plans designed to provide access to doctors, hospitals, prescriptions, and preventive care. Depending on your income and household size, you may qualify for premium tax credits that significantly reduce—or even eliminate—your monthly costs.
4 out of 5 qualifying customers find ACA Marketplace coverage for $10/month or less*
92% of Marketplace customers qualify for
premium tax credits
*After subsidies and/or premium tax credits for qualifying individuals. Based on income and sliding scale subsidies.
Access to Care
ACA plans connect you to a network of doctors, specialists, and hospitals so you can get the care you need, when you need it.
Prescription Coverage
Financial Protection
Coverage protects you from unpredictable, high out-of-pocket costs that come with sudden illnesses, injuries, or medical procedures.
Can I Enroll Now?
Open Enrollment is the primary window to purchase ACA Marketplace coverage.
However, you may be able to enroll outside of Open Enrollment if you’ve experienced a Qualifying Life Event. These include:
- Loss of employer-sponsored coverage
- Marriage, divorce, or changes in household size
- Having or adopting a child
- Moving to a new coverage area
- Significant changes in income
- Loss of eligibility for Medicaid or CHIP
If you’re unsure whether your situation qualifies, our Insurance Advocates can help you find out.
Financial Assistance and Sponsorship
In certain situations, additional support may be available to help make coverage more accessible. Depending on your circumstances, you may qualify for assistance that can help reduce premium costs or address other financial barriers to coverage. Our Insurance Advocates can review your situation and help determine what options may be available to you.
How We Help
Our Insurance Advocates work with individuals and families who are uninsured or struggling to afford coverage.
We’re not here to sell you something—we’re here to make sure you understand your options and have the support you need to move forward.
Review Your Situation
We take the time to understand your current coverage status, income, household size, and healthcare needs so we can identify the right options for you.
Identify What’s Available
We explain available plan options in plain terms, check your eligibility for premium tax credits, and explore whether additional financial support may be available.
Walk You Through Enrollment
We guide you through the enrollment process step by step, from selecting a plan to completing your application, so nothing is missed and coverage begins as soon as possible.
Not everyone qualifies for every option. But many people find coverage and assistance they didn’t know was available.
The only way to know what’s possible for your situation is to speak with someone who can check.
Financial assistance, sponsorship programs, and premium support programs are subject to eligibility requirements, funding availability, and program-specific terms, and are not guaranteed.
What Should You Do Right Now?
If you’re currently uninsured or concerned about your ability to afford coverage, here are the steps to take immediately:
Call us at 800-304-4005 or start a live chat to speak with an Insurance Advocate who can review your situation and explain what options may be available at no cost to you.
Have a general sense of your household size and monthly income ready. This helps our team quickly identify which plans and assistance options you may qualify for.
Ask about financial assistance. Many people are surprised to find that help may be available. Our Insurance Advocates will review your eligibility as part of the conversation.
Don’t wait. Coverage gaps can lead to unexpected costs and delayed care. The sooner you reach out, the sooner we can help you move forward.
Coverage Is Within Reach
You don’t have to struggle to manage healthcare costs. Whether you’re navigating an unexpected coverage gap or looking for a more sustainable path forward, our Insurance Advocates are ready to help at no cost, with no obligation.
Free Consultation · No Obligation · Insurance Advocates