Open Enrollment ends January 15
Check Your 2027 Subsidy Eligibility
Zero deductible,Low copays,Zero generic Rx cost
On Silver plans for qualifying incomes. Varies by area.*
left to enroll for 2027 coverage
Checking your options can feel overwhelming. You could qualify for up to $5,800 a year in subsidies† to lower your monthly 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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Most people overpay. Here's how to pay less.
Comparing plans can feel daunting, but it doesn't have to be. Whether it's just you or your whole household, a licensed agent helps you find a plan that fits your income and your budget.
Subsidies
Up to $5,800 a year in subsidies†
Subsidies lower your monthly premium based on your income and household.
Extra Silver savings
Zero deductible, low copays, zero generic Rx cost*
On Silver plans for qualifying incomes. Varies by area.
No obligation
A licensed agent does the work
We compare plans, explain your options 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.
Common questions
When is Open Enrollment for 2027 Marketplace plans?
Open Enrollment runs November 1, 2026 to January 15, 2027 in most states. Enroll by December 15 for coverage that starts January 1. Some states set different dates.
Can I check eligibility for my whole household?
Yes. A licensed agent can check plans for you, your spouse and your children together, and whether your household qualifies for a subsidy based on income.
How do I know if I qualify?
Eligibility is based on your household income compared with the federal poverty level (FPL). Households from 100% to 400% of FPL can qualify for a subsidy, and 100% to 250% can also qualify for extra Silver savings. Our check takes about a minute.
Does it cost anything to talk to a licensed agent?
No. There is no cost to you for our help comparing plans and checking your subsidy eligibility, and no obligation to enroll. Licensed agents are paid by insurance carriers, not by you.
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 shown are for most states (Eastern Time). Some states set different deadlines. A pending federal appeal could change the enrollment window; we'll update this page if it does.