Buy Health Insurance Today [2026]

Losing existing health coverage (e.g., job loss or aging out of a parent's plan). Getting married or having a baby. Moving to a new state or area with different plan options.

: These plans can often be purchased online for near-instant approval. However, they are not available in all states (banned in 15 states as of 2026) and typically do not cover pre-existing conditions or essential benefits required by the ACA. buy health insurance today

If you need coverage starting today, consider these primary routes: Losing existing health coverage (e

: You can enroll in an ACA-compliant plan outside the standard open enrollment period if you’ve experienced a major life change in the last 60 days. Common events include: : These plans can often be purchased online

: Enrollment for Medicaid and the Children’s Health Insurance Program (CHIP) is available year-round for those who qualify based on income.

Buying health insurance today depends on your current situation and location. In most cases, you can secure coverage immediately if you have a qualifying life event, are eligible for government programs, or choose a short-term plan.