Health Insurance Tools | Iconic Insurance

Private Plan Quote Tool

For those who are healthy and don't receive a tax credit on the Marketplace, private health insurance is a more affordable option with no network restrictions.

What you'll get:

  • Instant price quotes for your household
  • Compare Catastrophic, Enhanced, and Premier plans
  • No network restrictions
  • Book a call with our experts

ACA Marketplace Tax Credit Eligibility Calculator

Calculate your eligibility for ACA Marketplace tax credits and understand how upcoming policy changes will affect your healthcare costs.

Important: Enhanced tax credits expire after 2025, and many people who qualify today won't qualify in 2026. Use this calculator to understand if you'll be affected by these upcoming changes and see how your eligibility will change.

What you'll get:

  • Calculate current tax credit eligibility
  • See projected changes for 2026
  • Understand policy impact on your costs
  • Get personalized recommendations

Health Insurance Timeline Questions

Everything you need to know about when to enroll, deadlines, and timing for people who buy their own health insurance coverage.

ACA Marketplace Plans

Open Enrollment (most states):

  • November 1 – January 15: Main window to enroll, renew, or change Marketplace coverage
  • By December 15: Enroll for coverage that begins January 1
  • December 16 – January 15: Enroll for coverage that begins February 1
State Variations: Some states extend deadlines (California, New Jersey, Massachusetts, New York). Always check your state's exchange.

Yes, through Special Enrollment Periods (SEPs). You generally have 60 days before or after a qualifying life event to sign up or make changes.

Examples of qualifying events:

  • Losing coverage
  • Moving to a new area
  • Getting married
  • Having a baby or adopting a child
  • Change in household income that affects subsidies

Coverage start: Usually the 1st of the month after you enroll. Birth or adoption can start on the date of the event.

If you had Marketplace coverage, you'll receive Form 1095-A in late January. You use this to complete Form 8962 when filing taxes (usually due April 15).

Private Health Plans

Private health insurance plans can be purchased at any time of year. There are no enrollment windows — you can apply 365 days a year.

Important caveat: These plans do not cover pre-existing conditions.

COBRA Continuation Coverage

You have 60 days from the later of your coverage loss or receiving the COBRA notice to decide whether to elect COBRA coverage.

Your first payment is due within 45 days of electing COBRA. If you pay on time, coverage is retroactive back to the loss date.

Ongoing payments: Each month has a 30-day grace period.

  • 18 months in most cases (job loss or reduced hours)
  • 29 months if a disability extension applies
  • 36 months for certain dependent events (divorce, death of employee, or child aging out)
Warning: If COBRA coverage ends because of non-payment, you usually do NOT qualify for a Special Enrollment Period on the Marketplace. You may have to wait until the next Open Enrollment.

Medicare (Age 65+)

Initial Enrollment Period: 7 months around your 65th birthday (3 months before, the month of, and 3 months after).

General Enrollment Period: January 1 – March 31 each year if you missed your first chance. Coverage begins the month after you enroll.

  • Medicare Annual Enrollment (October 15 – December 7): Review and switch Medicare Advantage or prescription drug plans. New coverage begins January 1.
  • Medicare Advantage Open Enrollment (January 1 – March 31): If you already have a Medicare Advantage plan, you can switch once.

You get a one-time 6-month window when you first start Part B to buy any Medigap plan without health questions. This is your best opportunity for guaranteed coverage.

Medicaid & CHIP

You can apply for Medicaid or the Children's Health Insurance Program (CHIP) at any time during the year. There are no enrollment windows. If you qualify, coverage can begin immediately or retroactively.