The Six Moments That Force a Quote
Most people never shop health insurance until something forces them to. If any of these just happened — the SEP clock is already ticking.
When to quoteThe six moments
a quote actually matters.
Most people don't shop health insurance until something forces them to. If any of these just happened to you, the SEP clock is already ticking.
You just lost employer coverage
Layoff, quit, or COBRA premium just hit. You have a 60-day Special Enrollment window — and skipping it means waiting until November. Quote turnaround: same day.
You're aging off a parent's plan at 26
Your 26th birthday triggers the cleanest SEP in the system. Get quoted 30 days before — coverage starts the first of the month after your birthday with no gap.
You just got married, had a kid, or moved
Marriage, birth, adoption, or a move to a new ZIP all open SEPs. We re-quote both spouses' plans and the kid as a new dependent — usually showing a cheaper combined total.
Your first year self-employed
W-2 dropped, 1099s started. Your AGI projection is a guess, your subsidy depends on it, and a wrong number means clawback next April. We model three income scenarios.
You're 60–64 and bridging to Medicare
Premiums spike hard in this age band. We quote ACA, off-exchange, and short-term bridge plans so you understand the cost of staying covered until you turn 65.
Your premium jumped 20%+ at renewal
Your carrier auto-renewed you into a more expensive plan, or a benchmark change ate your subsidy. We re-shop the whole market before December 15 so you can switch clean.