Open enrollment takes place annually from November 1 through December 15. If you miss this period, you'll need to qualify for a special enrollment period, which is available when you experience certain life changes like getting married, having a baby, or losing existing health coverage.

You can submit your application directly through Healthcare.gov, but there's no additional charge when you work with our agency. Osborne Insurance Services offers personalized guidance throughout the application process and ongoing assistance with managing your health insurance policy.

Medicare eligibility typically includes individuals who are 65 years or older, those under 65 with certain qualifying disabilities, and people diagnosed with end-stage renal disease or ALS.