Special Enrollment Period
Check your Marketplace subsidy eligibility
A recent life change — losing coverage, moving, marriage, a new baby — can open a Special Enrollment Period outside the usual enrollment window. Answer a few questions and a licensed independent advisor checks what you qualify for.
Most enrollees still receive a premium tax credit — it's just smaller for many. Your number depends on your 2027 income and household, so let us recalculate yours.
Source: CMS
Prefer to talk it through? Call (954) 601-3544
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Common questions
- What is a Special Enrollment Period?
- A Special Enrollment Period lets you enroll in or change a Marketplace plan outside the annual Open Enrollment window, triggered by a qualifying life event such as losing coverage, moving, marriage, or having a baby.
- Does it cost anything to check?
- No. Empathy Insurance Advisors is offered by a licensed independent insurance agent. There is no cost to you for our help, and no obligation to enroll.
- Will this replace my current coverage?
- Not automatically. A licensed advisor reviews your situation with you and compares Marketplace plans available in your county before anything changes.