Affordable Care Act Open Enrollment

Find the Right Health Insurance for You and Your Family

Open Enrollment is the time of year when you can shop for health insurance through the Affordable Care Act (ACA) Marketplace.

If you don’t have health insurance, or you’re not happy with your current plan, now is a perfect time to review your options.

Barbee Insurance & Associates can help you understand your choices and find a plan that fits your needs and budget.

Call us today: (704) 888-4422

Family Outside The House — Locust, NC — Barbee Insurance Agency

2027 Open Enrollment Dates

Open Enrollment: November 1 – January 15
Enroll by December 15 → Coverage can start January 1
Enroll December 16 – January 15 → Coverage can start February 1

Don’t wait until the last minute. Plans, prices, and available options can change each year.

Health Insurance for People Under 65

If you’re under 65 and don’t have Medicare, you may be able to get health insurance through the ACA Marketplace.

ACA insurance may be a good option if you:

Don’t have insurance through your job
Are self-employed
Own a small business
Are between jobs
Retired before age 65
Need insurance for yourself or your family

You may also qualify for financial help that can lower your monthly premium.

Medicare & Insurance for People 65 and Over

If you’re 65 or older, your insurance needs are different. Medicare is generally the primary option for people 65 and older, rather than ACA Marketplace coverage.

If you’re turning 65, it’s important to understand your Medicare options and when to enroll.

Barbee Insurance can help you understand your options, including:

Medicare Advantage
Medicare Supplement plans
Prescription drug coverage
Other Medicare-related insurance options

Give us a call so we can help you explore what plans may be available to you.

What Does Health Insurance Cost?

There isn’t one price for everyone. Your cost depends on:

Your age
Where you live
Your household income
How many people need coverage
The plan you choose

You may qualify for financial assistance that can lower your monthly premium.

Need Health Insurance?

Fill out the short form below and someone from Barbee Insurance will contact you:

Contact Us

CONTACT ME ABOUT HEALTH INSURANCE

Submitting this form does not enroll you in an insurance plan. A Barbee Insurance representative will contact you to discuss your options.

Frequently Asked Questions

When is ACA Open Enrollment?
For 2027 coverage, Open Enrollment is November 1 through January 15.
If you enroll by December 15, your coverage can generally start January 1.
If you enroll between December 16 and January 15, coverage can generally start February 1.
Can I get ACA insurance if I don’t have insurance through my job?
Yes. The ACA Marketplace may be an option if you don’t have access to affordable health insurance through your employer.
Can I get help paying for my health insurance?
You may qualify for financial assistance based on your household income and other factors.
Can I get health insurance if I have a pre-existing condition?
Yes. ACA Marketplace plans cannot deny coverage or charge more because of a pre-existing condition.
Can I get ACA insurance if I’m self-employed?
Yes. The ACA Marketplace is an option for self-employed individuals or business owners.
What if I miss Open Enrollment?
You may still get coverage through a Special Enrollment Period for certain life events such as losing insurance, getting married, having a baby, or moving.
I’m turning 65. Should I get ACA insurance or Medicare?
If you’re turning 65, Medicare is generally the option to consider. Review your Medicare choices before your 65th birthday.
Can I have ACA insurance and Medicare?
Generally, you cannot enroll in an ACA Marketplace plan if you have Medicare.
Can I change my health insurance plan during Open Enrollment?
Yes. Open Enrollment is the perfect time to review your current plan and switch if a better option is available.