You can generally only buy health insurance during two specific times:
Plans are categorized by how they manage their provider networks: Primary Care Physician (PCP) Required? Referral Needed for Specialist? Out-of-Network Coverage? No (Except emergencies) PPO Yes (At a higher cost) EPO No (Except emergencies) POS Yes (At a higher cost) How to Get Marketplace Health Insurance | HealthCare.gov how do you buy health insurance
Depending on your situation, you have several avenues for purchasing: You can generally only buy health insurance during
Buying health insurance is a multi-step process that involves assessing your medical needs, understanding various plan structures, and enrolling during specific windows of time. For 2026 coverage, most individuals can purchase insurance during the , which typically runs from November 1, 2025, to January 15, 2026 . 1. Identify Your Enrollment Window No (Except emergencies) PPO Yes (At a higher
You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies.