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🔔 Open Enrollment is Nov 1 – Jan 15. Don't miss your window — get covered for next year.
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Licensed Insurance Broker — GA · MD · VA

Get Covered During ACA Open Enrollment

Open Enrollment runs November 1 – January 15 every year. We compare every ACA plan in your area, check your subsidy eligibility, and enroll you — completely free.

Compare ACA Plans Get a Free Quote
Bridge Coverage · GA · MD · VA

Missed Open Enrollment? You Still Have Options

A Short-Term Health Plan bridges the gap until you qualify for full ACA coverage or your SEP window opens. Enroll any time — fast approval available.

See Your Options Get a Free Quote
Enroll Any Time · No Deadline

Add Dental & Vision to Your Coverage

Already enrolled in ACA or Medicare? Dental and vision plans have no Open Enrollment period. Add coverage any month of the year — coverage starts quickly.

Explore Dental & Vision Get a Free Quote
Serving Georgia · Maryland · Virginia · 📞 240-744-0569
✅ Licensed Independent Broker
💰 Subsidy Check Included
📞 240-744-0569
Primary Coverage

ACA Health · Medicare · Short-Term

Our core specialties — we know these plans inside and out so you get the best coverage at the lowest cost.

Open Enrollment · Nov 1 – Jan 15
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ACA / Marketplace Health

The Affordable Care Act marketplace offers comprehensive health coverage with federal subsidies that can reduce your premium to $0. We represent carriers across Georgia, Maryland, and Virginia and help you compare every plan available in your ZIP code.

Bronze, Silver, Gold & Platinum tiers
All marketplace carriers compared
Get an ACA Quote →
Turning 65 · Already on Medicare
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Medicare Plans

Navigating Medicare alone is overwhelming. We represent multiple Medicare carriers across Georgia, Maryland, and Virginia and help you compare Advantage, Supplement, and Part D plans side by side.

Medicare Advantage (Part C)
Medicare Supplement — Plans A, G, N & more
Part D prescription drug plans
Get a Medicare Quote →
Year-Round · Fast Approval
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Short-Term Health

Missed Open Enrollment or your SEP window? A short-term health plan provides essential coverage while you wait for your next enrollment opportunity. Available in Georgia, Maryland, and Virginia.

Enroll any time of year
Coverage from 1 to 12 months
Short-term health & dental available
Get a Short-Term Quote →
Did You Know?

Most People Pay Less Than They Think

Federal subsidies significantly reduce ACA premiums. Our agents check your eligibility.

Check My Subsidy Eligibility →
Outside Open Enrollment

Missed the Deadline? Here's Your Path Forward

Missing Open Enrollment doesn't mean you're without options. Here's what we recommend — in order of priority.

🩺 First Recommendation

Short-Term Health Plan

Get covered immediately while you wait for your next enrollment opportunity. Available year-round.

Get a short-term quote →
🔔 Check First — May Qualify

Special Enrollment Period (SEP)

A qualifying life event in the last 60 days — job loss, marriage, new baby, relocation — may qualify you for a full ACA plan with subsidies right now.

See qualifying events →
📅 Plan Ahead

Prepare for Next Open Enrollment

Use a short-term plan now and let us prepare your full ACA application for November 1st so you're first in line when enrollment opens.

Talk to an agent →

Special Enrollment Period — Qualifying Events

If you have experienced any of the following life events you may be eligible for a Special Enrollment Period — allowing you to enroll in a full ACA health plan outside of Open Enrollment. You typically have 60 days from the date of the event to apply.

Lost Job-Based CoverageLaid off, quit, or hours reduced? You qualify within 60 days.
Got MarriedEnroll yourself and your new spouse within 60 days of marriage.
Had a Baby or AdoptedA new child triggers a 60-day SEP window any time of year.
Moved to a New StateRelocating to GA, MD, or VA? Enroll in a new plan after moving.
Got DivorcedLost coverage through a spouse's plan? 60 days to enroll.
Income ChangeA drop in income may now qualify you for Medicaid or ACA subsidies.
Turning 26Aging off a parent's plan? Qualify within 60 days of your birthday.
Not Sure If You Qualify?Call us — we check eligibility in minutes, completely free.

⏱️ SEP Windows Are Only 60 Days

Once your qualifying event occurs you have 60 days to enroll. Don't wait.
Check My SEP Eligibility →
Cross-Sell — Add to Your Plan

Dental & Vision — Enroll Any Time

Already enrolled in ACA or Medicare? Add dental and vision coverage today — no Open Enrollment period, no waiting, coverage starts quickly.

🦷

Dental Insurance

Individual and family dental plans available any time of year. We represent multiple carriers so you can compare coverage and find the right fit.

  • Preventive & cleanings
  • Basic restorative (fillings)
  • Major restorative (crowns)
  • Individual and family plans available
Get a dental quote →
👁️

Vision Insurance

Annual eye exams, prescription glasses, contact lenses, and frames. Enroll any month of the year — coverage starts quickly.

  • Annual eye exams
  • Prescription eyeglasses & frames
  • Contact lens allowance
  • Individual and family plans available
Get a vision quote →
💡

Why Add Both Now?

Health insurance rarely covers dental and vision. Adding both for a few dollars a month protects you from unexpected expenses and maximizes your total coverage.

  • No enrollment period — start today
  • Coverage within days of enrollment
  • Low monthly premiums
  • Bundle discounts available
Add dental & vision today →
Why Choose Us

Licensed Independent Broker

We work for you — not the insurance companies. Here's what that means for you.

🏛️

Licensed in 3 States

Fully licensed and verified independent insurance broker serving individuals and families.

✅ Georgia ✅ Maryland ✅ Virginia
🤝

We Work For You

As an independent broker we are not tied to any single carrier. We compare every plan available in your area and recommend what's genuinely best for your needs.

Additional Coverage

Life, Auto, Home & Business Insurance

Beyond health coverage, SW Insurance Partners offers personal and commercial lines across Maryland, Virginia, and Georgia — through one independent broker who represents multiple carriers.

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Life Insurance

Term life and whole life insurance with no enrollment period. We compare coverage options to fit your income protection and long-term financial planning needs.

Explore life plans →
🏠

Homeowners & Renters

Homeowners and renters insurance covering dwelling, personal property, liability, and loss of use. We shop multiple carriers to find the right fit for your home and budget.

Get a home or renters quote →
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Personal Auto

Personal auto insurance for drivers in our service area. We shop multiple carriers so you can compare liability-only to full coverage options for your vehicle and driving profile.

Get a personal auto quote →
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Commercial Auto

Commercial auto insurance for businesses operating vehicles in our service area. Whether you run a single work vehicle or a small fleet, we find coverage that protects your business from liability and physical damage claims.

Get a commercial auto quote →
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Business Insurance — BOP, GL & E&O

Business insurance for small and mid-size businesses. We offer Business Owner's Policy (BOP), General Liability (GL), and Errors & Omissions (E&O) coverage. Whether you're a contractor, consultant, retailer, or service provider — we help you find the right commercial coverage.

Get a business insurance quote →
About SWInsures

We Put People Before Policies

At SWInsures we believe everyone deserves access to quality insurance regardless of income or health history. We're an independent agency — we work for you, not the insurance companies.

Our licensed agents specialize in ACA health plans, Medicare, and short-term coverage — with the knowledge to cross-sell dental, vision, life, and P&C so your family is fully protected.

Get a Free Quote
500+
Clients Served
3
States Licensed
20+
Carrier Partners
100%
Independent
Client Reviews

What Our Clients Say

★★★★★

"SWInsures saved me over $200/month on my ACA plan. They checked my subsidy eligibility and found a Silver plan I didn't even know I qualified for."

Maria T. — Marietta, GA
★★★★★

"I missed Open Enrollment and panicked. They got me into a short-term plan within a day and set me up perfectly for ACA in November. Incredible."

James R. — Silver Spring, MD
★★★★★

"My Medicare options were overwhelming. My agent compared 12 plans and explained every difference. I saved $180/month and kept all my doctors."

Dorothy H. — Alexandria, VA
Licensed Independent Broker

Request a Quote

Select your coverage type and a licensed agent will follow up within one business day with your options.

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ACA Health
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Medicare
🩺
Short-Term
🦷
Dental
👁️
Vision
💼
Life Insurance
🚗
Auto
🏠
Home
🔑
Renters
🚚
Commercial Auto
🏢
Business
Get a Quote
Fill in your details and a licensed agent will follow up within one business day.

By submitting you agree to be contacted by a licensed SWInsures agent. We never sell your information.

Not Sure Where to Start?

Call us directly — a licensed agent walks you through all your options with straightforward guidance.

📞 240-744-0569
Common Questions

Frequently Asked Questions

When is ACA Open Enrollment? ▾
ACA Open Enrollment runs November 1 through January 15 each year. Coverage starts January 1 if you enroll by December 15, and February 1 if you enroll between December 16 and January 15.
What if I missed Open Enrollment? ▾
First check if you qualify for a Special Enrollment Period due to a life event in the last 60 days. If not, a short-term health plan bridges the gap until next Open Enrollment. Medicaid is also available year-round if your income qualifies.
Do I qualify for ACA subsidies? ▾
4 in 5 people who enroll through the ACA marketplace qualify for subsidies. Eligibility is based on your household income and size. Our agents check your subsidy eligibility for free — many clients pay $0/month after subsidies are applied.
What is a Special Enrollment Period? ▾
A SEP allows you to enroll in an ACA health plan outside of Open Enrollment if you have experienced a qualifying life event — such as losing job-based coverage, getting married, having a baby, or moving to a new state. You have 60 days from the event to enroll.
Can I enroll in dental or vision any time? ▾
Yes — dental and vision insurance has no Open Enrollment period. You can apply any time of year and typically get covered within days. We recommend adding both right after your ACA or Medicare enrollment.
What is the difference between Medicare Advantage and Medicare Supplement? ▾
Medicare Advantage replaces Original Medicare with an all-in-one plan from a private insurer, often including drug coverage. Medicare Supplement works alongside Original Medicare to cover gaps like copays and deductibles. We compare both and help you choose based on your doctors, medications, and budget.

Where We Serve

SW Insurance Partners is a licensed independent brokerage serving clients across Georgia, Maryland, and Virginia. We help individuals and families find ACA health plans, Medicare coverage, dental, vision, life, auto, and home insurance .

🍑

Georgia

We serve clients throughout the greater Atlanta metro area including Marietta, Alpharetta, Roswell, Sandy Springs, Decatur, and Smyrna, as well as Augusta, Savannah, Macon, Columbus, and surrounding communities statewide.

ACA marketplace plans, short-term health, dental, vision, and life insurance available across Georgia. We compare all carriers on the Georgia marketplace and find the best subsidy-eligible plan for your household.

🦀

Maryland

Serving clients across the Baltimore metro, Silver Spring, Rockville, Gaithersburg, Bethesda, Columbia, Annapolis, Frederick, Hagerstown, and the Maryland DC suburbs. We are Maryland-based and know the local carriers well.

Maryland residents have access to ACA plans through Maryland Health Connection, short-term health, dental, vision, auto, and homeowners insurance. Our Maryland clients often qualify for significant ACA subsidies — we check for free.

🏛️

Virginia

We serve Northern Virginia including Arlington, Alexandria, Fairfax, Reston, Herndon, and Loudoun County, plus Richmond, Virginia Beach, Norfolk, Chesapeake, Hampton Roads, Charlottesville, and Roanoke.

Virginia clients have access to ACA health plans, short-term health coverage, Medicare supplement and Advantage plans, dental, vision, auto, and homeowners insurance. We compare every plan available in your Virginia ZIP code.

Not sure if we cover your area? Call us at 240-744-0569 or email info@swinsures.com — we'll let you know right away.