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🔔 Open Enrollment is Nov 1 – Jan 15. Don't miss your window — get covered for next year.
Compare ACA Plans →
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
💬 Free Consultations
⚡ Same-Day Enrollment Available
📞 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
🏥

ACA / Marketplace Health

The Affordable Care Act marketplace offers comprehensive health coverage with federal subsidies that can reduce your premium to $0. We find the right plan for your budget and health needs.

4 in 5 clients qualify for subsidies
Average subsidy $536/month
Bronze, Silver, Gold & Platinum tiers
GA · MD · VA — all carriers compared
Get an ACA Quote →
Turning 65 · Already on Medicare
👴

Medicare Plans

Navigating Medicare alone is overwhelming. We compare Medicare Advantage, Supplement (Medigap), and Part D drug plans to maximize your benefits at the lowest possible cost.

Medicare Advantage (Part C)
Medicare Supplement — Plans A, G, N & more
Part D prescription drug plans
Annual review to ensure best plan
Get a Medicare Quote →
Year-Round · Fast Approval
🩺

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. Approval often same day.

Enroll any time of year
Coverage from 1 to 12 months
Bridge until next Open Enrollment
Available in MD & VA
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 for free — many clients end up paying $0/month.

4 in 5
ACA enrollees qualify for subsidies
$0
Monthly premium possible with full subsidy
$536
Average monthly subsidy in 2024
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 in Maryland and Virginia — fast approval, often same day.

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 →
🏥 Year-Round · No Deadline

Medicaid & CHIP

No enrollment window. If your income qualifies you can apply any time for low or no-cost coverage that starts immediately.

Check Medicaid eligibility →
📅 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

Coverage for preventive care, cleanings, fillings, crowns, and major procedures. Individual and family plans available any time of year.

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

Vision Insurance

Annual eye exams, prescription glasses, contact lenses, and frames. Affordable monthly premiums — enroll any month of the year.

  • Annual eye exams
  • Prescription eyeglasses
  • Contact lens allowance
  • Frame benefits included
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.

💰

Always Free — No Catch

We are compensated by insurance carriers when you enroll — never by you. You pay the exact same premium whether you use a broker or not. There is no reason not to.

⚡

Same-Day Enrollment

Our agents move quickly. Many clients are enrolled in a plan the same day they call — especially for short-term, dental, and vision coverage.

Additional Coverage

Life, Auto & Home Insurance

Beyond health coverage we offer a full range of protection for every part of your life.

💼

Life Insurance

Term or whole life — protect your family's financial future. No enrollment period. Apply any time of year in GA, MD, and VA.

Explore life plans →
🏠
MD & VA Only

Homeowners Insurance

We shop multiple carriers to find the best homeowners coverage for your property and budget in Maryland and Virginia.

Get a home quote →
🚗
MD & VA Only

Auto Insurance

Personal auto coverage for Maryland and Virginia residents. Liability to full coverage — personal use vehicles only.

Get an auto 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
Free · No Obligation · Licensed Broker

Get a Free Quote

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

🏥
ACA Health
👴
Medicare
🩺
Short-Term
🦷
Dental
👁️
Vision
💼
Life Insurance
🚗
Auto
🏠
Home
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 no pressure and no obligation.

📞 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.
Do I have to pay for your services? ▾
No — our services are completely free. We are compensated by the insurance carriers when you enroll. You pay the exact same premium whether you use a broker or enroll directly. There is no reason not to use us.