The Independent Agency That Finds Your Plan — in All 50 States.

Open Enrollment runs November 1 – January 15 in most states (some state exchanges set their own dates — a few extend longer). Enroll by ~Dec 15 and coverage typically starts January 1. Missed the window? A Qualifying Life Event — losing a job, moving, getting married, having a baby, losing Medicaid — opens a Special Enrollment Period, usually 60 days. See the full QLE checker above.

Same law, different storefronts. About 30 states use the federal Marketplace, HealthCare.gov. The rest — about 20 states plus DC, including California (Covered California), New York (NY State of Health), New Jersey (GetCoveredNJ), Pennsylvania (Pennie), Georgia and more — run their own state exchange with its own website, deadlines and quirks. A few states run their own Marketplace on the federal platform. NovaVida is certified on HealthCare.gov and on the state-run exchanges, so wherever you live, we can quote and enroll you properly. Pick your state above to see which system yours uses.

The Premium Tax Credit lowers your monthly premium based on household income and size — applied instantly when you enroll through a Marketplace. Many households also qualify for Cost-Sharing Reductions (lower deductibles and copays) on Silver plans. Most people who apply qualify for something; the only way to know your number is to run it. See your real subsidized price in ~2 minutes →

No — not on any ACA Marketplace plan. Coverage is guaranteed-issue, and essential health benefits (hospital, doctors, prescriptions, maternity, mental health and more) are included on every plan. Off-exchange and short-term plans are different — they can ask health questions — which is why we always tell you honestly which side fits your situation.

Often yes — but it must be verified per plan, before you enroll. Every plan has its own network and drug list. Tell us your doctors and medications and we check both first — never after. That check is free: 561-339-0727.

Two windows with confusingly similar names. AEP — the Annual Enrollment Period, October 15 – December 7 — is the big one: anyone on Medicare can join, drop or switch Medicare Advantage and Part D plans for January 1. OEP — the Medicare Advantage Open Enrollment Period, January 1 – March 31 — is a second chance for people already on a Medicare Advantage plan: one switch to another MA plan or back to Original Medicare. Outside those windows, Special Enrollment Periods cover events like moving, losing coverage, or your plan leaving your area — and turning 65 gives you your own 7-month Initial Enrollment Period.

Advantage (Part C) bundles hospital, medical and usually drug coverage into one plan — often $0 premium, usually with a network and prior authorizations. A Supplement (Medigap) pairs with Original Medicare and pays its gaps — see nearly any doctor that takes Medicare, at a higher monthly premium, with a separate Part D drug plan. Neither is "better" — it depends on your doctors, medications, travel and budget. That comparison, against every carrier we represent, is exactly what we do every day, free.

Part D is prescription drug coverage sold as a standalone plan (or built into most Advantage plans). Skipping it when you're first eligible — without other creditable drug coverage — triggers a late-enrollment penalty that lasts as long as you have Part D. Even if you take no medications today, a low-premium plan usually beats the lifetime penalty. We run your medications against every plan's formulary before recommending one.

Every fall, carriers refile: premiums, drug lists, doctor networks and extra benefits all reset for January 1. The plan that was perfect two years ago may quietly be wrong for you now — Florida alone has 611 MA plans for 2026. That's why an annual review during AEP (free, in your language) is the single best Medicare habit.