Effective Date: August 13, 2026 · Last Updated: August 13, 2026
InsureOmni Health provides licensed insurance broker services. This site is operated by us, not by the government or the Health Insurance Marketplace.
This is not the Health Insurance Marketplace website. You can also apply for ACA coverage directly at HealthCare.gov. Using our site or working with us is optional.
Private health insurance, short-term medical, and supplemental plans may require medical underwriting and are subject to carrier approval — they are not guaranteed issue. ACA Marketplace plans are generally guaranteed issue during open enrollment, subject to standard eligibility verification.
ACA Marketplace plans can generally only be purchased during the annual Open Enrollment Period. Outside that window, you can only enroll in an ACA plan if you qualify for a Special Enrollment Period following a Qualifying Life Event (such as losing other coverage, moving, getting married, or having a child). Eligibility for a Special Enrollment Period is determined by the Marketplace, not by us.
Information on this site is general and educational. It isn't a guarantee of a specific price, plan availability, or approval. Your actual coverage is governed by the policy documents issued by the carrier, not by anything on this website.
By submitting a form on this site, you consent to be contacted by phone, email, or text regarding insurance products. You can opt out at any time.
We aren't liable for decisions made based solely on general information on this site. Always confirm plan specifics directly with us or your carrier before relying on them.
We may update these terms occasionally; continued use of the site means you accept the current version.
