Shop for health insurance quotes and coverage options.
Start one protected request to explore available health insurance prices and coverage options without repeating the same information across multiple forms.
Your insurance request has been received.
Thank you for choosing Ensurance. Cate has securely received your request. We are working to help you explore insurance prices and coverage options that fit your needs.
Comparing insurance matters because similar prices can provide different protection. Your request is organized for consideration by participating professionals. If a professional accepts it, they may contact you. A quote or contact is not guaranteed, and you are not obligated to buy coverage.
Because your request arrived outside regular business hours, an insurance professional may follow up during the next business day.
Check your email for a secure link to your private My Cate request.
Request ID:
Your information stays under a controlled process.
We do not ask you to restart the same request company after company. Contact information is not included in broad agent notifications.
2027 Health Insurance Open Enrollment Is Underway
For states that use HealthCare.gov, 2027 Open Enrollment began November 1, 2026. HealthCare.gov says enrollment by December 15 is needed for coverage to start January 1, and the federal Marketplace Open Enrollment period ends January 15.
State-run exchanges can use different deadlines. In California, Covered California says Open Enrollment runs November 1 through January 31, with enrollment by December 31 for coverage beginning January 1. Premiums, deductibles, provider networks, prescriptions and carrier availability can change from year to year, so shoppers should review the current plan rather than assume last year's option is still the best fit.
California shoppers: read the 2027 Open Enrollment guide · HealthCare.gov 2027 dates · Covered California Open Enrollment
Marketplace enrollment remains high in 2026.
CMS reports that 23.1 million consumers selected or were automatically re-enrolled in Marketplace coverage for 2026. That is about 1.2 million fewer than 2025, but still about 1.7 million more than 2024 and 6.8 million more than 2023. Ensurance helps organize one health insurance request for licensed review where available.
consumers selected or were automatically re-enrolled in Marketplace coverage during the 2026 Open Enrollment Period.
Source: CMS 2026 Open Enrollment Reportof 2026 Marketplace enrollees had household incomes between 100% and 150% of the federal poverty level.
Source: CMS, 2026fewer consumers enrolled during the 2026 Open Enrollment Period than during the 2025 period.
Source: CMS, 2026Figures reflect national ACA Marketplace data and describe the broader market, not Ensurance results. Availability, eligibility, and licensed review determine which options may be available — quotes and savings are not guaranteed.
What can make health insurance more affordable in 2026?
Marketplace premium tax credits are based on household information and expected income. HealthCare.gov currently states that households with income between 100% and 400% of the federal poverty level qualify for the premium tax credit in all states, and that the Marketplace is the only place to receive that credit.
The additional pandemic-era savings ended on December 31, 2025, so people who still qualify for savings may pay more for a Marketplace plan in 2026 than they did in 2025. Eligibility and the amount of any tax credit depend on the household information submitted through the Marketplace.
HealthCare.gov: Premium tax credit · HealthCare.gov: Saving on monthly premiums · CMS: 2026 Open Enrollment Report
What your health request may include.
A few guided questions, grouped into four simple areas. You don't need everything ready to begin — the request fills in one step at a time.
Who needs coverage
The people you're exploring coverage for.
Coverage needs
The kind of health coverage you're exploring.
Timing & situation
When and why you're looking now.
Location & eligibility
Where coverage would apply.
You don't need to know every detail before you begin.
Answer a few guided questions about your coverage needs. A licensed professional reviews the details with you where applicable — you don't have to know exactly what coverage you need to start.
Medicare & 2027 Open Enrollment
Review Medicare Open Enrollment dates, Annual Notice of Change guidance, Part D changes, provider-network questions, costs, and a 2027 plan review checklist.
How the health insurance request process works.
Four clear steps, so you always know where you are and what happens next.
Answer a few guided questions
Tell Ensurance who needs coverage and what you're looking for. Minimal typing, one step at a time, all in one place.
Your details become one request
Ensurance structures everything into a single, organized health request — so nothing important is missing or repeated.
Licensed professionals review where applicable
Licensed professionals review your request against the available options, where applicable and where available.
Receive coverage options where available
Where availability and eligibility allow, you receive health coverage options and a clearer next step — no pressure to decide.
Availability varies
Availability, eligibility, and licensed professional review determine which health coverage options may be available where applicable — and quotes are never guaranteed.
Why licensed review matters.
Health coverage takes a real conversation — not an automated price list.
A licensed professional, not a robot
Licensed professionals review available options where applicable — a person decides what may fit your situation.
One organized request
Your coverage details stay together as a single request, so nothing important is missing or repeated.
CATE™ controlled access
Your protected health request moves through the applicable controlled-access process supported by CATE™, the Controlled Access Trust Engine, with review by eligible licensed professionals where available.
Questions before starting a health request.
What is a guided health insurance request?
A guided health insurance request is a short, structured set of questions about who needs coverage and the health coverage needs you have. Ensurance organizes your answers into one clear request so licensed professionals can review available options where applicable — instead of you re-entering the same details across separate forms.
Are health insurance options available everywhere?
Not always. Availability varies by location and by the options available to licensed professionals. Ensurance helps organize your health insurance request so available options can be reviewed where applicable and where available — it doesn't guarantee that options exist in every area.
Who reviews my health insurance request?
Licensed professionals review your structured health request. A licensed professional — not an automated list — decides which available health coverage options may fit your situation, where applicable.
What details may be needed?
Typically who needs coverage, the coverage needs you're exploring, and your location for eligibility. You don't need to have everything ready before you begin — the guided questions handle it one step at a time.
Are quote options guaranteed?
No. Availability, eligibility, and licensed review determine which health quote options may be available where applicable. Ensurance doesn't promise instant quotes, guaranteed eligibility, or guaranteed savings.
What happens after I start?
You answer a few guided questions about your health coverage needs. Ensurance structures your details and moves them into licensed review, where you may receive health coverage options where available — at your own pace, with no pressure to decide.
Start your health insurance request.
Begin one guided health request — structured for licensed review of available options where applicable, with coverage options where available.