GET HEALTH INSURANCE ONLINE
Compare Health Insurance & ACA Marketplace Plans
Finding health insurance doesn't have to be complicated. Explore available Health Insurance and ACA Marketplace plan options online based on your location, coverage needs, household and budget.
Compare plans online or speak with a licensed Health Insurance agent who can help you understand your available options.
Prefer to speak with someone?
1-833-573-6733
Monday–Friday • 9:30 AM–6:00 PM EST
Live Licensed Health Insurance Agent
Please Note: When you call, you will first be answered by our automated attendant. After this brief screening, you will be connected with a live licensed Health Insurance agent. This process is used to help reduce bots, automated calls, spam, and unwanted solicitations so that calls can be directed to a live agent.
HEALTH INSURANCE MADE EASIER
FOUR BENEFITS
Find & Compare Health Insurance and ACA Marketplace Options Online
COMPARE PLANS
Explore available health insurance and ACA Marketplace options.
SHOP ONLINE
Start from your phone, tablet or computer.
CHECK FOR SAVINGS
You may qualify for financial assistance based on your circumstances.
GET PERSONAL HELP
Speak with a licensed Health Insurance agent when you need assistance.
Shopping for health insurance doesn't have to mean sorting through confusing information on your own.
JRF Services gives you the option to explore available Health Insurance and ACA Marketplace plans online. You can review available options based on where you live and your coverage needs, then move forward with the plan that best fits your situation.
If you'd rather have someone walk you through the process, you can also schedule a call with a licensed Health Insurance agent.
COMPARE HEALTH INSURANCE PLANS ONLINE
Find Coverage That Fits Your Needs, Location & Budget
Prefer Personal Assistance? → SCHEDULE A CALL
WHY SHOP HEALTH INSURANCE WITH JRF SERVICES?
More Ways to Find Coverage That Fits Your Needs
INDIVIDUALS
Coverage for one person.
FAMILIES
Explore coverage for yourself, your spouse and dependents.
SELF-EMPLOYED
Explore individual coverage when you don't have employer-sponsored insurance.
LOSING EMPLOYER COVERAGE
You may have options when employer-sponsored coverage ends.
HEALTH INSURANCE FOR INDIVIDUALS & FAMILIES
Coverage Options for Different Stages of Life
Whether you're purchasing health insurance for yourself, your family or transitioning from another type of coverage, there may be options available to you.
JRF Services can help you explore available Health Insurance and ACA Marketplace options based on your state and individual circumstances.
ACA MARKETPLACE HEALTH INSURANCE
Explore Individual & Family Health Coverage Online
The Health Insurance Marketplace provides a way for eligible individuals and families to compare health insurance plans and determine whether they qualify for financial assistance.
You can begin exploring available Marketplace options online and provide information about your household, income and coverage needs to determine what options may be available to you.
YOU MAY QUALIFY FOR HEALTH INSURANCE SAVINGS
Don't Assume Health Insurance Is Out of Reach
Depending on your household size, expected income and other circumstances, you may qualify for financial assistance toward Marketplace coverage.
You may also qualify for Medicaid or CHIP, depending on your eligibility.
The best way to know what may be available is to check your eligibility and explore your options.
Eligibility for financial assistance and available coverage options are determined based on applicable Marketplace rules and the information provided during the application process.
Current Marketplace guidance confirms that consumers can check potential savings when previewing or applying for coverage.
WHAT CAN ACA MARKETPLACE PLANS COVER?
Coverage Designed Around Essential Health Needs
ACA-compliant Marketplace plans include essential health benefits, although specific benefits, networks, costs and plan designs can vary by plan and location.
BENEFITS
DOCTOR & OUTPATIENT CARE
Coverage for eligible medical services and physician care.
HOSPITALIZATION
Coverage for eligible inpatient hospital services.
PRESCRIPTION DRUGS
Coverage for covered prescription medications.
EMERGENCY SERVICES
Coverage for eligible emergency medical care.
PREVENTIVE CAREMany covered preventive services are available without cost-sharing when applicable requirements are met.
MENTAL HEALTH & SUBSTANCE USE SERVICES
Coverage for covered mental health and substance use disorder services.
MATERNITY & NEWBORN CARE
Coverage for eligible pregnancy, maternity and newborn services.
LABORATORY SERVICES
Coverage for eligible laboratory and diagnostic services.
The ACA Marketplace's essential health benefits include categories such as hospitalization, prescription drugs, emergency services, laboratory services, and mental health/substance use disorder services.
HAVE A PRE-EXISTING CONDITION?
ACA Marketplace Coverage Includes Important Protections
If you have a past diagnosis, chronic condition or other health history, don't assume you can't obtain ACA Marketplace coverage.
ACA-compliant Marketplace plans cannot deny coverage or charge you more because of a pre-existing condition.
GET STARTED ONLINE IN A FEW SIMPLE STEPS
Compare. Review. Choose. Apply.
STEP 1
1. ENTER YOUR INFORMATION
Provide basic information about yourself, your household and where you live
STEP 2
2. EXPLORE AVAILABLE PLANS
Review available Health Insurance and ACA Marketplace options based on your circumstances.
STEP 3
3. REVIEW YOUR OPTIONS
Compare important differences such as premiums, deductibles, copays, coinsurance, networks and other plan features.
STEP 4
APPLY & ENROLL
Select the option that works for you and complete the enrollment process online.
READY TO GET STARTED?
HealthCare.gov confirms that consumers may apply through approved enrollment partners and that online enrollment can be completed through participating platforms.
A SECURE WAY TO ENROLL ONLINE
JRF Services uses an Enhanced Direct Enrollment pathway for applicable ACA Marketplace enrollment. EDE allows approved web-brokers and enrollment partners to provide a streamlined online experience for Marketplace eligibility and enrollment.
Instead of making the visitor navigate a complicated process, the online experience is designed to make it easier to move from exploring coverage to completing enrollment.
CMS describes Enhanced Direct Enrollment as a pathway that allows approved issuers and third-party web-brokers to enroll consumers in Exchange coverage directly through their websites, with or without agent assistance.
PREFER TO TALK TO A LICENSED AGENT?
You Don't Have to Figure It Out Alone
Online shopping isn't for everyone.
If you have questions about your options, a licensed Health Insurance agent can help you understand available Health Insurance and ACA Marketplace plans based on your state, coverage needs and preferences.
Your agent can help you review available options and understand important differences in premiums, deductibles, copays, networks and other plan features.
PHONE
1-833-573-6733
Monday–Friday • 9:30 AM–6:00 PM EST
WHEN YOU CALL JRF SERVICES
When you call, you'll first be greeted by a brief automated attendant. After the screening process, your call is directed to a live licensed Health Insurance agent.
This process is designed to help reduce bots, spam and unwanted solicitations so calls can be directed to a live agent.
CALL 1-833-573-6733
Monday–Friday • 9:30 AM–6:00 PM EST
WHEN CAN YOU GET HEALTH INSURANCE?
Open Enrollment & Special Enrollment Periods
Marketplace health insurance is generally available during the annual Open Enrollment Period.
However, you may also be able to enroll outside Open Enrollment if you qualify for a Special Enrollment Period because of certain life events or circumstances.
LIFE EVENTS MAY INCLUDE:
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Losing qualifying health coverage
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Getting married
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Having a baby
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Adopting a child
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Moving and meeting applicable requirements
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Other qualifying life events
Enrollment periods, eligibility requirements and effective dates can vary. Always confirm the current enrollment dates and eligibility requirements for your Marketplace before applying.
LOOK BEYOND THE MONTHLY PREMIUM
Understand What You're Actually Paying For
When comparing health insurance plans, the monthly premium is only one part of the picture.
It's also important to consider:
PREMIUM
The amount you pay each month for your coverage.
DEDUCTIBLE
What you may have to pay for covered services before your plan begins paying according to its benefits.
COPAYS & COINSURANCE
Your share of certain covered healthcare costs.
OUT-OF-POCKET LIMIT
The maximum amount you may have to pay for covered services in a plan year, subject to the plan's terms.
HMO VS. PPO: WHAT'S THE DIFFERENCE?
The Right Network Can Matter as Much as the Premium
Health insurance plans can differ significantly in how you access doctors, specialists and healthcare services.
An HMO generally uses a defined network and may require coordination through a primary care provider for certain specialist services.
A PPO generally provides greater flexibility in choosing providers and may include some out-of-network coverage, usually at a higher cost.
The exact rules, networks and costs vary by plan.
WHAT SHOULD YOU CONSIDER WHEN CHOOSING A HEALTH PLAN?
Don't Choose a Plan Based on Premium Alone
CHECKLIST
✓ Monthly Premium
✓ Deductible
✓ Copays
✓ Coinsurance
✓ Out-of-Pocket Maximum
✓ Doctor & Hospital Network
✓ Prescription Drug Coverage
✓ Specialist Access
✓ Coverage Needs
✓ Expected Healthcare Usage
The lowest monthly premium isn't necessarily the best fit for everyone. Consider how you expect to use your coverage and what you'll be comfortable paying when you need healthcare.
MORE THAN JUST A QUOTE
Get Help Understanding Your Health Insurance Options
Health insurance isn't just about finding a monthly premium.
It's about finding coverage that makes sense for your healthcare needs, your budget and your situation.
As an independent insurance broker, JRF Services can help you compare available options rather than simply directing you toward one insurance solution.
Whether you prefer to shop online yourself or speak with a licensed agent, you choose how you want to move forward.
YOUR CHOICE
Shop online or speak with an agent.
YOUR OPTIONS
Explore available plans based on your location and circumstances.
YOUR DECISION
Review your options and choose the coverage that fits your needs.
HEALTH INSURANCE QUESTIONS?
FREQUENTLT ASKED QUESTIONS
Can I compare health insurance plans online?
Yes. You can begin exploring available Health Insurance and ACA Marketplace options online based on your location and circumstances.
Can someone help me choose a plan?
Yes. You can schedule a call with a licensed Health Insurance agent.
Do I have to buy online?
No. You can compare plans online or contact JRF Services for assistance.
Can I get health insurance if I have a pre-existing condition?
ACA-compliant Marketplace plans cannot deny coverage or charge you more because of a pre-existing condition.
Can I get financial assistance?
You may qualify for Marketplace savings depending on your household and other eligibility factors.
Can I enroll outside Open Enrollment?
You may be able to enroll if you qualify for a Special Enrollment Period or certain other programs.
Does JRF Services offer coverage nationwide?
JRF Services provides access to Health Insurance and ACA plan options nationwide, with specific plans, eligibility and availability varying by state.
Can I speak with a licensed Health Insurance agent?
Yes. Call 1-833-573-6733, Monday–Friday, 9:30 AM–6:00 PM EST, or schedule a call online.
NEED ADDITIONAL PROTECTION?
Consider Supplemental Insurance
Your primary health insurance may not cover every expense you could face during an accident, illness or hospital stay.
Supplemental insurance can provide additional benefits for certain covered situations and may help provide another layer of financial protection.
READY TO FIND YOUR HEALTH INSURANCE OPTIONS?
Compare Plans Online or Speak With a Licensed Health Insurance Agent
Whether you're shopping for yourself, your family or looking for new coverage, JRF Services gives you two simple ways to get started.
