How to Sign Up

Count on us to give you a hand from the moment you start shopping for insurance through the daily process of navigating your health care.

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Enroll in 4 Steps

  1. Compare our health insurance plans, and get a convenient online quote.
  2. Get your questions answered with our resources on this page for choosing a plan (including if you qualify for financial assistance). Contact us if you need help.
  3. Know when you can sign up – during open enrollment season or a special enrollment period.
  4. Make sure you have all the necessary details for your application – and sign up online or with one of our agents.

When to Enroll

Open Enrollment

You can sign up for (or renew) your health insurance plan during a window of time each year – generally, Nov. 1 through Dec. 15.

  • Start insurance, make adjustments and renew plans (or cancel if necessary).
  • Coverage begins Jan. 1 of new calendar year.

If you miss open enrollment, you may have to wait until the next time period to make changes (unless you qualify for special enrollment).

Special Enrollment

Outside open enrollment, you can apply for special enrollment if you experience a qualifying life event like marriage or having a baby.

  • Set up new insurance coverage or make plan updates.
  • You must report a life change within 60 days of the qualifying life event.
  • New or updated coverage starts the first of the month after you complete special enrollment.

How to Sign Up

Once you know what plan you want, it’s easy to sign up. For individual and family plans, there are several ways to enroll in coverage.

Enrollment Online

Contact us or find an agent in your area.

Enrollment FAQ

What qualifies for special enrollment?

Several life events may qualify for you for a special enrollment period, including:

  • Getting married
  • Turning 26 years old
  • Having a baby, adopting a child or placing a child for foster care
  • Moving your household
  • Divorce or legal separation
  • Death
  • Loss of coverage

Learn more about getting health insurance coverage outside open enrollment and how to apply for special enrollment.

How long can I stay on my parents’ insurance?

You can stay on your parents’ plan until you turn 26 years old. If you consider getting a plan on your own, depending on your household size and income, you may qualify for premium tax credits to reduce your monthly premium and/or lower out-of-pocket costs.

If I’m getting married or starting a family, what should I look at for coverage?

Congratulations! This is an exciting time in your life and you're taking an important step by looking for health coverage. First of all, identify your monthly budget and how much you can afford to pay each month for your premium.

Note: If you have an annual income of less than $96,000 for a family of four, you may be eligible for tax credits and cost reductions. However, if coverage is available through an employer, you may not be eligible for tax credits. Find out if you qualify for lower health insurance costs at Healthcare.gov.

Why should I utilize open enrollment?

Health insurance protects you from unexpected, high medical costs. You also pay less for covered in-network care because of our partnership with providers throughout our dedicated network and the Avera Health system. You receive free preventive care, including wellness exams and vaccines and, depending on your age, preventive screenings like mammography and colon tests.

Once I enroll, when does my plan start?

  • During general open enrollment: Open enrollment generally takes place Nov. 1 through Dec. 15. When you enroll during this period, your new plan starts Jan. 1 of the following calendar year.
  • For special enrollment/qualifying life events: Your plan starts the first day of the following month after you enroll. For example, if you enroll for a plan in February, your plan will start March 1.

What if I already have health insurance?

Don’t forget: you need to re-enroll in your health insurance plan year after year. Therefore, open enrollment is a great time to ensure you still have the right plan for you and your family. For example, if you picked a high deductible plan during the previous enrollment period, but your circumstances have changed, you can update to a plan more suited to your needs.

What do I need to apply?

For each applicant – individual or family member – who will be covered by the policy, make sure you have the following information:

  • Home and/or mailing addresses
  • Birth dates and phone numbers
  • Social Security numbers
  • Document information for legal immigrations
  • Employer and income information for every member of your household (For example: pay stubs or W-2 forms: Wage and Tax Statements)
  • An estimate of your annual household income

If you apply in person or through an agent, bring your previous year's tax return, because it will usually contain this, and other important information needed for your application.

How do I apply for special enrollment?

You must report changes within 60 days of a qualifying event.

How do I access my Marketplace (Healthcare.gov) account?

If you created a Marketplace account for a previous year, and it’s been a while since you logged in, you may have to reset your password.

  1. On the Marketplace login page, select “Forgot your password?”
  2. Check your email for a “Forgot Marketplace Password” email. (If you don’t get it, be sure to check your spam/junk mail folder.)
  3. Follow the email directions to create a new password for your account.
    • Note: When picking a new password, be sure you don’t use an old password. If you do, you’ll get an error message saying the information you entered is invalid.

If your account is locked, it may take a few hours to unlock it. For best results, wait at least one hour after getting a password reset before logging in.

If you still have trouble logging in after resetting your password, call the Marketplace Call Center at 800-318-2596.

Get Started

Get a Quote

Still have questions? Our local team is happy to help make sure you have the right plan for your health care needs and budget.

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You can also call our sales team toll-free at 855-692-8372.

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