Open Enrollment ends January 15
Affordable Health Coverage Made Easy
$0 deductible,$0 doctor visits,$0 generic prescriptions
On Silver plans for qualifying incomes. Varies by area.*
left to enroll for 2027 coverage
Shopping for health insurance can feel overwhelming. You could qualify for up to $5,800 a year in subsidies† to lower your premium, and a licensed agent will show you what you'd actually pay.
†Subsidy amounts depend on income, age, household size and location.
*Silver plans with extra savings (cost-sharing reductions) for people who qualify based on income. Benefits vary by plan and area. Monthly premium may apply.
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States licensed
5.0★
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No obligation
Compare plans, decide later
Licensed
Independent insurance agent
Health insurance shouldn't cost this much. Here's how to pay less.
Shopping for coverage can feel daunting, but it doesn't have to be. Whether it's just you or your whole family, a licensed agent helps you find a plan that fits your life and your budget.
Tax credits
Up to $5,800 a year in subsidies†
Tax credits lower your monthly premium based on your income, age and household.
Extra Silver savings
$0 deductible, $0 doctor visits, $0 generic prescriptions*
On Silver plans for qualifying incomes. Varies by area.
No obligation
A licensed agent does the work
We compare plans, check your doctors and prescriptions, and help you enroll. We never sell your information.
Open Enrollment ends January 15
See what you'd pay.
Empathy Insurance Advisors is a licensed independent insurance agent.
Client reviews
In their own words.
5.0
22 Google reviews
Shown word for word from Google. Reviews reflect individual clients' experiences, not any insurance plan or carrier. Your experience may differ.
Common questions
When is Open Enrollment for 2027 Marketplace plans?
Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. State-run Marketplaces may set different dates.
Can I get a quote for my whole family?
Yes. A licensed agent can quote Marketplace plans for you, your spouse and your children together, and check whether your household qualifies for a premium tax credit based on income.
Will I still get a tax credit in 2027?
Probably, though it may be smaller. About 87% of Marketplace enrollees still receive a premium tax credit (CMS, 2026 Open Enrollment report). Households above 400% of the federal poverty level no longer qualify.
Does it cost anything to talk to a licensed agent?
No. There is no cost to you for our help comparing Marketplace plans and checking your tax credit, and no obligation to enroll. We are a licensed independent insurance agent.
Empathy Insurance Advisors is a licensed independent insurance agent, not the federal Health Insurance Marketplace or a government website. Plans, premiums and subsidies vary by county, household and income.
Dates are for HealthCare.gov states (Eastern Time). State-run marketplaces may set different deadlines. A pending federal appeal over the 2025 Marketplace rule could change the window; we'll update this page if it does.