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OPEN ENROLLMENT BEGINS NOVEMBER 1,2025

Outside of the open enrollment period, health insurance shoppers can enroll in Affordable Care Act (ACA) health plans offered by private health insurance companies (like United Health and other top carriers) as long as they have a qualifying life event (QLE) within the previous 60 days. QLEs include losing individual or job-based coverage, getting married/divorced/separated, moving outside the coverage area, having/adopting a child, and more.
If you don’t have a qualifying life event (QLE), you may not be able to get an ACA plan but there are MANY other affordable health plan types available 365 days a year such as short-term health plans and health sharing plans, among others.
Short Term Plans in particular can be very good options. They are typically very affordable and can go into effect at midnight of the day you enroll. Meaning you don’t have to wait until the 1st day of month for coverage to be effective. Plans are typically available from top carriers such as UnitedHealth®, Humana® and Multiplan® among other top rated plans.

Smarthealthinsure.com is the proprietary product of Max Media Marketing LLC dba ( Max Media Insurance Advisors) NPN 21440323 , a duly licensed and operational insurance agency, and Richard Ryscik, an independent insurance agent NPN 18952958. Our invitations to apply for insurance coverage are extended exclusively in regions where our agency holds valid licenses and appointments. Comprehensive information regarding Max Media Insurance Advisors licensing in various states is accessible on our website. Please be aware that the availability of insurance plans on our platform may not encompass every state. We would like to clarify that SmartHealthInsure.com, Max Media Insurance Advisors, and any associated partners or affiliates are entirely independent entities and not affiliated with the United States government or the federal Medicare program. To address your insurance needs, a licensed agent will initiate contact through channels such as phone calls, SMS, and email to discuss Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. It is essential to note that we offer information solely on the plans we have available in your specific area, and this may not include every plan option. For a comprehensive overview of all available insurance options, we strongly recommend reaching out to Healthcare.gov. Our platform is intended as a solicitation for insurance purposes. This content is protected by copyright and pertains to SmartHealthInsure.com, with its physical location at PO Box 590131 Fort Lauderdale, Florida 33359. For detailed legal information and disclosures, please refer to our Terms & Conditions, Privacy Policy, and CCPA Disclosure via the provided links. Licensure information for other states can be found here. Kindly note that the information provided is current as of 2025 and may be subject to updates. For specific inquiries or assistance concerning health insurance matters, we recommend direct communication with Smarthealthinsure.com or visiting our website for the most recent information. By using this site, you acknowledge that you have read and agree to the Term and Conditions and Privacy Policy.