Usually, no. Many individual health insurance plans are paid month to month, and you can generally cancel coverage if your needs change.

The important distinction is that canceling a plan does not necessarily mean you can immediately enroll in a different Marketplace plan. Marketplace plan changes outside Open Enrollment generally require a qualifying life event or another Special Enrollment Period.

However, some non-Marketplace health plans may allow enrollment at other times of the year, including year-round, depending on the type of coverage, your state and eligibility requirements.

If you're unhappy with your current plan, it's best to review what replacement options are available before canceling anything.

Yes. We work with clients by phone and video and are currently licensed in 32 states: AL, AZ, AR, CO, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MS, MO, MT, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI and WY.

If you live in one of these states, we can help you compare the health insurance options available in your area.

Sometimes. Marketplace plans generally require Open Enrollment or a qualifying life event, such as losing other coverage, moving, getting married or having a baby.

Other types of coverage may be available at different times of the year, and some plans may accept applications year-round depending on eligibility and where you live.

We can review what's available to you now.

It depends on your location, age, household, income and the plan you choose. Some self-employed people may qualify for premium tax credits on Marketplace plans.

We'll help you compare monthly premiums as well as deductibles, out-of-pocket costs, provider networks and what you could pay when you actually use your coverage.

Most individual health insurance is paid month to month rather than through a long-term contract. You can generally request to end your coverage if your needs change, although cancellation dates and plan rules can vary.

Before canceling, make sure you understand whether and when replacement coverage can begin.

Many self-employed people may be able to deduct eligible health insurance premiums for themselves and their families.

Tax rules depend on your individual circumstances, so check with a qualified tax professional.

You can also review official information at IRS.gov .

COBRA lets you continue your existing employer coverage, but the cost may increase because you can become responsible for more or all of the premium.

Losing employer coverage may also create a Special Enrollment Period for Marketplace coverage. We can help you compare the premium, deductible, doctors, prescriptions, benefits and potential out-of-pocket costs before you decide.

Yes. Each plan can have its own provider network and prescription drug list.

If you have the names of your doctors, hospitals and medications, bring them to your consultation and we can review them while comparing plans.

No. The consultation is free, brief and there is no pressure to enroll.

The goal is simply to understand your situation, answer your questions and help you see which coverage options may be available.

If you have them handy, it helps to know your ZIP code, who needs coverage, your approximate budget, any doctors or medications that matter to you and when you would like coverage to start.

But don't worry if you don't have everything ready. We'll start with what you know and go from there.