Simple and Easy.
2025 Open Enrollment
November 1 - December 15
WE WORK WITH TOP RATED HEALTH INSURANCE COMPANIES
This domain is owned and operated by HCIP Insurance Services, an independent insurance agency that offers many carriers, such as the one shown above.
About HCIP
HCIP is an independent insurance agency with 10+ years experience in health insurance. Being independent allows us to help find the best quality plans for our customer. We explain, in detail, what your plan covers and answer every question with honesty.
We help over a 1000 individuals and families each year. Our commitment to the customer has afforded us a 5-star rating on Google!
Open Enrollment Made Simple
Find a Health Plan in 3 easy steps
Start Your Search
Submit your zip code and some other information to see if you qualify for a Cost Sharing Reduction.
Browse Recommendations
Within seconds, you'll see health coverage recommendations that fit your budget.
Select The Right Plan For You
Compare plans and enroll if you find the one you like. Our team of experts are here to help along the way so that you can be confident you're choosing the right plan.
Real Advice, Real People
We're partnered with all of the major insurance carriers, so we can compare what they offer with what your budget is. Our cutting-edge technology and years of experience in the industry helps us give you world-class service with unbeatable quotes - fast!
What Our Clients Have To Say
“
HCIP is top notch. They got me some excellent insurance at a price that I can afford. They also check in with me on a regular basis to see how I’m doing and if I’m having any problems. I really lucked out with the help from these guys, I really appreciate them. Thanks!
Dan Misko
“
I had a mix up with some of my insurance stuff and Brett Melton not only helped with all my questions but far exceeded any expectations of customer service I had. No doubt that Brett is a genuine guy who truly cares about his clients.
Annie Mattox
Frequently Asked Questions
November 1: Open Enrollment started.
December 15: Deadline for coverage that starts January 1, 2022.
January 15: Last day to sign up for coverage. Coverage starts February 1. After January 15, you can only buy a health plan if you qualify for a special enrollment period.
Health insurance coverage doesn't take effect the day you buy it. Whether you're insured through work or through a company you found on the health exchange, there is usually a waiting period before your coverage kicks in.
Savings depend on your expected household income for the upcoming year. We'll tell you if your income is in the saving range. You'll find out exactly how much you'll save when you apply.
We can still find you a plan that not only saves you money but will keep you with your current doctor!
Deductible: How much you have to spend for covered health services before your insurance company pays anything (except free preventive services)
Copayments and coinsurance: Payments you make each time you get a medical service after reaching your deductible
Out-of-pocket maximum: The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.
Yes, open enrollment is the right time to switch from one health plan to another. Make sure you cancel your current plan first.
If you don't update your application or change plans before December 15, you might be automatically renewed in the same plan (or a similar one) for the upcoming year.
We recommend you still take a look at the plans available to you. You might benefit from a change, and you won’t know until you compare.
Not a problem. You can chat with an agent using our live chat tool. Get all of your options without giving away your sensitive information (full name, phone number, email address, date of birth, etc.)
We are licensed in AL, AZ, CA, FL, GA, IL, KS, LA, MI, MS, NC, OH, OK, PA, SC, TN, TX, UT, VA, WV and WI
Free! Free appointments. Free custom quotes. Free customer service. Free to sign up with the insurance provider of your choice.
