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How Enrolling in a Private Health Plan Works in your state (Step by Step)
People put off switching plans because they imagine paperwork. Here's the real process for a private plan in your state, start to finish.
1. Quote (10 minutes)
We need ZIP, dates of birth for everyone being covered, tobacco status, and a rough income so we can check the marketplace too. You see every private plan available in your state by price on our quoting tool, and a marketplace comparison.
2. Pre-screen (5 minutes)
Before anything is submitted, we go through the carrier's health questions with you. If there's a condition that would be declined or excluded, you find out now — not after an application.
3. Application (15 minutes)
Online or by phone: applicant and dependent details, the health questionnaire, payment method, e-signature. Choose a start date — the 1st of any upcoming month, applying by the 20th.
4. Underwriting (24–72 hours)
The carrier reviews the questionnaire and runs a prescription history check. Most healthy applicants are approved within two business days. No exam, no labs.
5. Approval and ID cards
You get a welcome email with your member ID and the Cigna, Aetna and PHCS PPO network provider lookup. Cards arrive by mail; a digital card is usually available immediately.
6. First payment
Nothing is drafted until your effective date. Plans are month to month; cancel anytime.
What's different about the marketplace
Marketplace enrollment runs November 1 – January 15 (or 60 days after a life event), there's no underwriting, and the subsidy is applied in advance based on the income you estimate. A few states (New Jersey, California, Massachusetts, Rhode Island, DC) have their own individual mandate; most don't.
Ready? Start with step 1.