Buy Medical Insurance Apr 2026

: You can buy directly from companies like Blue Cross Blue Shield , Anthem , Cigna , or Aetna . These "off-exchange" plans are ideal if you do not qualify for financial aid and want a wider range of provider networks.

Buying medical insurance involves choosing between government-run marketplaces or private insurers, often depending on whether you have access to an employer-sponsored plan. Where to Buy Medical Insurance

: If you experience a "qualifying life event"—such as getting married, having a baby, losing existing coverage, or moving—you generally have 60 days to enroll in a new plan. Choosing a Plan Type

: Visit HealthCare.gov to find plans under the Affordable Care Act (ACA). Depending on your income, you may qualify for premium tax credits or subsidies.

Health Care Coverage Options for College Students | HealthCare.gov

Most plans fall into these categories, which determine how you receive care and what you pay:

: If you have low income or a disability, check eligibility for Medicaid or the Children’s Health Insurance Program (CHIP). When to Enroll

: This is the standard annual window, typically starting in the fall, to sign up for or change plans.