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Health insurance

Notice: We do not enroll in or quote health plans, Medicare, dental, or vision plans. Some listed agencies hold life and health licenses; please call or contact them directly to ask about plan availability.

Firms

Insurance Professionals

Health insurance commonly helps pay for medical treatments, doctor visits, inpatient hospital care, and prescription medicines when those services are covered by the plan. What is covered, and how much, depends on the form, network, and cost-sharing. Note: InsuranceFinder does not enroll in or quote health plans. Open a firm's published profile for contact details.

Health insurance coverage breakdown

Plan designs differ (for example HMO, PPO, EPO, and high-deductible forms). The contract, network rules, and deductibles decide what is paid — not a firm page.

1. Doctor visits & outpatient care

Office visits, specialists, and many outpatient services when they are in-network and meet the plan’s rules, subject to copays, coinsurance, and deductibles.

2. Hospital & inpatient care

Covered inpatient stays and related hospital services when the plan approves them under its terms. Emergency rules and prior-authorization rules still apply when the form says so.

3. Prescription medicines

Covered drugs on the plan’s formulary, often in tiers with different cost-sharing. Some drugs need prior authorization or step therapy — the form and formulary decide.

4. Preventive care

Many plans list certain preventive services with little or no cost-sharing when they meet the plan’s rules. What counts as preventive is defined by the form, not by this page.

Who typically uses health insurance

Health coverage is typically carried by people who need help with medical bills through an employer plan, an individual or marketplace plan, or another group arrangement. Medicare, dental, and vision are often separate products or pages. Firms here offer health among their lines — plan availability still depends on the firm and the plans they offer, not on InsuranceFinder.

Important health insurance exclusions to know:

Cosmetic procedures, experimental treatments, and care outside network rules are commonly limited or excluded. Waiting periods, annual or lifetime limits (where still allowed), and out-of-pocket maximums still apply as written. Dental, vision, and long-term care are often not included unless the form or a rider says so. Education only — not advice to buy or enroll.

How to check an agency license →

Health insurance: where coverage comes from, and when to enroll

Four main ways people get health coverage

  • Through an employer, often with the employer paying part of the premium.
  • The Health Insurance Marketplace, where savings depend on household income.
  • Medicare, for people 65 and older, and some younger people with disabilities or End-Stage Renal Disease.
  • Medicaid and CHIP, for people and children who qualify. You can apply any time.

Key dates for 2027 coverage

Enrollment dates

Marketplace Open Enrollment (HealthCare.gov states, including Texas and Florida)
When
November 1, 2026 to January 15, 2027
Marketplace: enroll for coverage starting January 1
When
By December 15, 2026
Marketplace in states that run their own, such as California, Georgia, New York and Pennsylvania
When
Each state marketplace sets its own dates; check its website
Medicare Open Enrollment
When
October 15 to December 7 each year
Medicare Advantage Open Enrollment (only if you’re already in a Medicare Advantage Plan)
When
January 1 to March 31 each year

InsuranceFinder isn’t connected with Medicare, CMS, HealthCare.gov or any government agency, and doesn’t enroll anyone in a plan. Dates are from HealthCare.gov and Medicare.gov, checked Oct 2026.

Outside Open Enrollment, a life event such as moving, losing other coverage, marriage or a new baby can open a Special Enrollment Period.

Five terms that decide what you pay

  • Premium: what you pay each month.
  • Deductible: what you pay before the plan starts sharing costs.
  • Copay and coinsurance: your share of each visit or bill.
  • Out-of-pocket maximum: the most you pay for covered care in a year.
  • Network: the doctors and hospitals the plan works with. HMOs and PPOs handle networks differently.

Free help, and agency help

Agencies whose page shows health insurance can explain plan choices. HealthCare.gov lists free local help, and every state has a SHIP program with free Medicare counseling.

Keep reading

Insurance agents by cityHow insurance quotes workMedicareHow to check an insurance license

Official sources

Sources checked Oct 2026. Rules change; your state insurance department has the current version.

Questions about this page

When is Open Enrollment for 2027 health coverage?
In states that use HealthCare.gov, November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. States that run their own marketplace, such as California, set their own dates.
Can I get health insurance outside Open Enrollment?
Yes, if a life event such as moving, losing other coverage, marriage or a new baby opens a Special Enrollment Period. You can apply for Medicaid and CHIP any time.
When is Medicare Open Enrollment?
October 15 to December 7 each year, for coverage that starts January 1, according to Medicare.gov. InsuranceFinder isn’t connected with Medicare or any government agency.
Does InsuranceFinder sell health insurance?
No. InsuranceFinder is a free online database of insurance agents, brokers and carriers. It does not sell policies, give prices or take applications. Each firm page shows the firm’s phone number and office address.