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Missed Open Enrollment & Need Coverage?
Non-Government Plans are Available
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* Prices are fixed by law. You can't find lower rates anywhere else.

Non-Government Plan Options Provide Coverage until the Next Open Enrollment

You should consider getting a Non-Government Plan if you meet both of the following conditions:

  1. you missed the Open Enrollment Period and
  2. you do not have a Qualifying Life Event,

Or certain life changes that would have allowed you to get a Government Plans after Open Enrollment.

Non-Government Plans -- which are sometimes referred to as "Private Plans" or "Short Term Plans" -- are a temporary solution meant to provide you with coverage until you are eligible for a Government Plan. They are often purchased for a predefined term -- anywhere from 30 days to 12 months and everything in between.

It is important to not have any lapses in medical coverage. An un foreseen medical issue or emergency can be extremely expensive if you are uninsured, sometimes in the range of tens to hundreds of thousands of dollars.

The changes in the health care law requires that no insurance company can deny you coverage for preexisting conditions. Since Non-Government Plans are not directly supported by the government, you may still face a fine and subsidies, or government “discounts,” are not available. For the same reason, you can also be denied coverage. Fortunately, because Non-Government Plans are for a temporary term, they tend to be inexpensive. If you are denied coverage by one insurer, can help you find another.

Your eligibility for Government Plans and Subsidies can be determined during the enrollment process. Please enter your zip code and fill in the 1-page application to begin. You can also call (844) 992-2717 to speak to an agent.

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(844) 992-2717

Speak to a Health Care Agent
(844) 992-2717
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Sat-Sun: 9am-5pm EST
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Los Angeles, CA 90017 is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.