Health Insurance Options for Adults Under 65
Speak with a licensed agent to explore ACA and private health insurance options. Eligibility and availability vary by state.
Crosspoint Health Insurance Agency is not affiliated with or endorsed by any government agency. Calls may be monitored or recorded for quality assurance. ACA Open Enrollment runs November 1 through January 15 each year. You may qualify for a Special Enrollment Period if you have a qualifying life event.
State Availability Notice
This service is currently not available in the following states:
Availability of plans, carriers, and coverage types varies by location. If your state is listed above, we are unable to assist you at this time. Please check back as availability may change.
Frequently Asked Questions
Depending on your state, income, and eligibility, you may qualify for ACA Marketplace plans (with potential subsidies), private health insurance plans sold off-exchange, short-term medical coverage, or employer group alternatives like ICHRA. A licensed agent can help determine which options are available in your area.
ACA premium tax credits are based on your estimated household income, household size, and the cost of the benchmark plan in your area. If your income falls within certain thresholds relative to the Federal Poverty Level, you may qualify for reduced monthly premiums. A licensed agent can walk you through the estimate.
You may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event such as losing other coverage, getting married, having a baby, or moving to a new area. Eligibility for SEP varies - speak with a licensed agent to understand your options.
Yes. There is no fee charged to you for speaking with a licensed agent through Crosspoint Health Insurance Agency. Agents are compensated by the insurance carriers they represent, not by you.
No. Crosspoint Health Insurance Agency is a licensed, privately-owned health insurance agency. We are not affiliated with, endorsed by, or connected to any federal or state government agency, including the Health Insurance Marketplace or Healthcare.gov.
Carrier availability, licensing, and regulatory requirements vary by state. We are currently unable to serve residents of Washington, Vermont, Maryland, South Dakota, Hawaii, and Alaska. Availability may change - please check back or contact us for updates.
Marketplace Enrollment Notice
Health insurance plans through the Affordable Care Act Marketplace are available during the Open Enrollment Period, which typically runs from November 1 through January 15 in most states.
Outside of the Open Enrollment Period, you may qualify for a Special Enrollment Period (SEP) if you experience certain qualifying life events such as:
- Loss of other health coverage
- Moving to a new state or service area
- Marriage or divorce
- Birth or adoption of a child
Eligibility requirements apply.
Crosspoint Health Insurance Agency is a licensed, privately-owned health insurance agency. We are not affiliated with, endorsed by, or connected to any federal or state government agency, including the Health Insurance Marketplace or Healthcare.gov. We do not offer every plan available in your area. For a complete listing of available Marketplace plans, visit Healthcare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325).
Call Routing Disclosure
Calls and form submissions may be routed to licensed agents or partner agencies who can assist with your coverage needs.Crosspoint Health Insurance Agency may receive compensation for these connections.