How Do You Buy Health Insurance -

The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states.

You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies. how do you buy health insurance

Most Americans get insurance through their job, where the employer typically pays a portion of the premium. 3. Compare Plan Types The annual window for anyone to sign up or switch plans

You can generally only buy health insurance during two specific times: this is January 15

A window outside of Open Enrollment triggered by "qualifying life events," such as getting married, having a baby, or losing existing coverage . 2. Choose Where to Shop