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If you missed Open Enrollment or didn’t finalize a health insurance plan in time, you’re not alone. Every year, many people find themselves asking the same questions once the deadline passes: Am I completely out of options? Can I still enroll in coverage? What happens if I try to enroll without qualifying? Are there alternatives outside the Marketplace? The good news: you may still have options , depending on your situation. Here’s a clear breakdown of what Open Enrollment en

Most people looking for health coverage this year are asking the same question — should I stay on a Marketplace plan or look at a Private PPO? The truth is, both have their place. The right answer depends on your health needs, income, and how much control you want over your coverage. Understanding the Marketplace (ACA) Option Marketplace plans — often called “Obamacare” or ACA plans — are government-regulated. They’re ideal for people who qualify for income-based subsidies  o

Marketplace premiums are rising sharply in 2026 as enhanced subsidies expire, leaving many families facing higher costs and smaller tax credits. Learn what’s driving the increases, how it impacts your household, and the smart steps to take now to protect your coverage and budget.