Licensed Independent Insurance Brokers, 30+ StatesCall us today: 863-270-9820
Call us today 863-270-9820
Missed open enrollment, driver?
After January 15Any-month plansSpecial enrollment
After open enrollment

Missed open enrollment? The road is not closed

Open enrollment for 2027 coverage runs November 1 to January 15 in most states. Drivers are on the road for a lot of that window. If you missed it, here is what still works, in the order we would check it.

Special enrollment events drivers qualify for more often than they think
Private plans on nationwide PPO networks that healthy drivers can apply for any month
What to avoid so a short-term fix does not become a long-term problem
Compare My OptionsCall 863-270-9820
$0Broker fee
30+States licensed
1Broker, not a queue
See What I Can Still Get
3 quick taps, then tell us where to send it
STEP 1 OF 2
Who needs coverage? *
What do you have right now? *
Did you get a premium tax credit (subsidy) this year? *
Plans and prices are set by county, so this is the one number we need up front.
No health questions here. No obligation.
One call from one licensed broker at 863-270-9820. No dialers, no transfers.
Our promise: your form goes into our own system and nowhere else. We never sell or share it with other agents or marketers. Only Moran Insurance Group will contact you.
Private, never sold. One broker calls you within 1 business day.
By Erik Moran, licensed health insurance broker (NPN 20970092) · Updated October 14, 2026
Step one

Check for a special enrollment event first

Quick answer

After open enrollment closes, you can still get a Marketplace plan if you have a qualifying life event in the last 60 days, such as losing employer coverage, getting married, having a baby or moving to a new state with prior coverage. Without one, a healthy driver can apply for a private medically underwritten plan any month of the year. The next Marketplace open enrollment starts November 1.

Events drivers commonly have without realizing it:

  • Leaving a company driving job and losing its health plan, even if you are leasing on somewhere new.
  • Losing a spouse's employer coverage because of a job change or the end of COBRA.
  • A permanent move to a new home state, if you had qualifying coverage before the move.
  • Marriage, a birth or an adoption.

Voluntarily dropping a plan, or stopping COBRA payments early, does not count.

Step two

If you are healthy: apply for a private plan now

Private underwritten plans are not tied to open enrollment. If you are in good health, you can apply in February, June or September, and coverage can start soon after approval. Many are built on nationwide PPO networks, which is exactly what a driver needs, and this is the time of year they matter most, because the Marketplace is closed to anyone without an event.

The plain truth about private plans: the nationwide PPO plans we quote are private, medically underwritten plans, not Marketplace plans. A nationwide network means in-network doctors and hospitals in many states; it does not mean every service is covered. You answer health questions, and the carrier can decline you or exclude a condition. These plans are not ACA-compliant: depending on the plan, prescriptions, maternity, mental health and other benefits can be limited or left out, some benefits have dollar maximums, and out-of-network care costs more. We walk through exactly what a plan pays before you apply, and if a Marketplace plan fits you better, we tell you that too.
What to avoid

Stopgaps that cost drivers later

  • Going without and hoping. One ER visit and an ambulance ride can cost more than a year of premiums.
  • Buying accident or discount cards as your only coverage. They can be useful extras, but they do not cover illness.
  • Short-term plans without reading the limits. Where your state allows them, they can bridge a gap, but they usually exclude pre-existing conditions and their length rules vary by state.
  • Waiting until November if your health is good. A private plan you qualify for today is better than ten months of nothing.

Over or under the 2027 subsidy line?

Self-employed and 1099 income is counted after expenses. Our free calculator shows which side of the 400% line you land on in about a minute, with results right away and no sign-up.

Run the subsidy cliff calculator →
Questions

Questions we hear most

Can a truck driver get health insurance after January 15?

Yes, with a qualifying life event for a Marketplace plan, or at any time with a private underwritten plan if you qualify medically.

Is leasing on as an owner-operator a qualifying event?

Losing your job-based coverage is. If you left a company job and its plan ended in the last 60 days, you can enroll in a Marketplace plan.

When is the next open enrollment?

November 1, 2026 through January 15, 2027 for 2027 coverage on HealthCare.gov. Some state-run exchanges set different end dates. Enroll by December 15 for coverage starting January 1.

Sources

Checked October 14, 2026. Rules and dates change; confirm before you act.

Want real numbers instead of estimates?

Three quick taps and a ZIP code. One licensed broker calls you once with every plan you qualify for. Your information is never sold.

Start the 60-second form → Or call 863-270-9820, Monday to Friday, 9am to 5pm ET
Call Now