Off-Exchange Health Plans

At The Kory Agency, we help you navigate the health insurance landscape to compare plans from multiple carriers. We will walk you every step, from shopping to enrollment and beyond.

Compare Plans & Enroll

Use our online quoting tool to view and compare current plans, and enroll instantly when you're ready. Questions about the enrollment process? We're here to help! Just give us a call.

Enroll in Private Health Insurance Plans

When Can I Enroll?


There are two main ways to get coverage:


Open Enrollment


Happens every year from November 1 through December 15, in most states. We can help confirm dates and consider different insurance companies.


During this open enrollment period (OEP), you can:


  • Enroll in a new health plan
  • Renew or change your existing plan


Special Enrollment Period (SEP)


If you experience a qualifying life event, you may be eligible for a Special Enrollment Period. Generally this lasts 60 days from the qualifying event, which may include:


  • Losing other health coverage
  • Getting married or divorced
  • Having a baby or adopting a child
  • Moving to a new coverage area


Turning 26?  You get a Special Enrollment Period as you age out of coverage through your parents. LEARN MORE → 

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Who Can Enroll?


Anyone can enroll in private plans, but they are especially beneficial for:


  • Individuals who don’t have employer-sponsored insurance
  • Self-employed workers
  • Part-time employees
  • Individuals whose income qualifies them for Medicaid expansion (in participating states)


Enrollment Tips


Follow these steps to make your process even smoother:


  1. Gather information. Have the following ready:
  2. Social Security numbers for all household members
  3. Employer and income details
  4. Immigration documents (if applicable)
  5. Apply early: Avoid last-minute stress by enrolling well before the deadline
  6. Review details: Double-check your application for accuracy to avoid processing delays and resubmissions
  7. Set up payments: Ensure your payment methods are set up correctly so your coverage begins on time

Off-Exchange Health Insurance FAQ

  • What’s the difference between Bronze, Silver, Gold, and Platinum plans?

    These “metal tiers” reflect how you and the plan share costs — not the quality of care. Bronze plans have the lowest monthly premiums and highest out-of-pocket costs; Platinum plans are the opposite.

  • What if I miss Open Enrollment?

    You may still qualify for a Special Enrollment Period. Losing coverage, moving, or having a baby are just a few examples of life changes that make you eligible to enroll outside of the annual window. If these don’t apply to you, you will need to wait for the next Open Enrollment period.

  • Can I enroll in a plan if I’m self-employed?

    Yes, private plans are a great option for freelancers, consultants, and anyone without employer coverage.