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OPEN ENROLLMENT for 2027 health insurance plans runs
from November 1st 2026 until January 15th 2027.
Get your instant quote by entering some basic information.
You’ll receive affordable plan options for you and your family.
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EXISTING CLIENTS
Do you need to report any changes for this 2027 Enrollment Period?
Explore health plans
Health insurance plans for everyone, from the growing up to the grown-ups.
Choosing between health insurance plans can be confusing. That’s why we guide you through every step, from comparing options to understanding your benefits.
As a result, you save money, get the best benefits possible, and keep a broker on your side after you enroll.
How we help you compare health insurance plans
First, we look at your doctors, prescriptions and budget. Then, we compare health insurance plans from multiple carriers side by side, including HMO, PPO and EPO options. We also check whether you qualify for a tax credit that lowers your monthly premium. Finally, we help you enroll online in just a few simple steps.
After you enroll, we stay available all year for questions about bills, claims or plan changes. Have questions first? Visit our insurance FAQ. You can also add dental and vision insurance to round out your coverage, or see our Medicare options if you’re turning 65.
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Multiple Carriers
See and compare rates from several companies and pick the best for you.
Customized Service
We'll narrow down the options to better suit your needs and explain all the benefits.
Online Enrollment
In just a few simple steps, get a new health plan for you and your family.
Get a personalized Health insurance quote
What does a healthcare plan usually cover?
By law, all individual and family health insurance plans include a set of minimum essential benefits. Keep in mind, however, that adult dental, vision and hearing coverage is sold separately. Here are some of the benefits most carriers offer:
- Emergency services
- Hospitalization
- Outpatient services
- Mental health
- Maternity
- Preventive services
- Prescription drugs
- Laboratory services
- Pediatric services
- Rehabilitation
We've got answers
Frequently Asked Questions
As long as your information and payments are up to date, your plan renews automatically. If your plan or coverage changes, you’ll receive a new ID card in the mail before your new plan year starts.
Starting November 1st. you can view the new rates and apply at:
https://www.healthsherpa.com
With a PPO plan the network tends to be larger than an HMO plan. Even if you go outside your network, you still have benefits (be careful ,your deductible is higher if you go outside the network).
You have to stay in-network and you will have no benefits if you go outside the network. Note, not all HMO’s are created equally; some have only local coverage while some offer coverage nationwide. All plans have to cover you in case of an emergency even out-of-network.
It’s the amount you pay at a doctor’s office or facility for a visit. This can range from $1 or even more than $100, it depends on the plan you choose. Generally, co-pays for regular doctor’s visit will tend to cost less, while a specialist visit will cost you more.
An Exclusive Provider Organization (EPO) is a managed cared plan where benefits are covered if you stay in the plan’s network. Except in an emergency, out-of-network services are not covered.
It’s the amount you have to pay before the insurance company will pay for certain services. Generally, you pay a deductible for hospital stays, surgeries, and other major services (check you plan benefits for details)
This is a percentage you pay after you already met your annual deductible. The amount you pay has a maximum amount you have to pay which is considered your maximum out-of-pocket cost.
The difference is that you will always pay less if you stay in-network.
Everyone’s needs are different. Have one of our licensed experts help you decide what is best for you and your family.
Not only we do help you compare all the possible options available to you, we also make sure all your needs are being satisfied at the most affordable price. We also offer customer service all year round.
Certain individuals and their families may qualify for a reduction in the health insurance premium. Depending on different factors they may receive a monthly allowance for health insurance premiums, which goes directly to the carrier they choose. To qualify you cannot be offered insurance at work, and the allowance amount varies according to your income, age and number of dependents.
Medicare recipients will not qualify for this program.
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