Health Insurance
Made Easy!

Open enrollment is the annual period when you can sign up for, renew, or change your health insurance plan through the ACA Marketplace. Missing this window usually means waiting until next year unless you qualify for a Special Enrollment Period after specific life changes.

Open enrollment typically runs from early November to mid-January (dates can change by year/state). If you miss open enrollment, you may still qualify for a Special Enrollment Period after life changes like marriage, birth, or losing other coverage. For personalized help finding a health plan, reach out to us at 406-401-7220 or info@everguardbenefits.com.

We offer a range of ACA marketplace health  insurance policies.

Brokers represent you, not the insurance companies. We work with multiple insurers, which means we can shop around to find the best rates and coverage options for your unique situation.

Getting a quote is easy! You can fill out our online form on this page, give us a call on 406 401 7220, or talk to us via chat on this page. We’ll review your needs and get back to you quickly with options tailored to you.

This varies, but in many cases, we can get coverage within 24-48 hours and sometimes it’s the same day you apply. We’ll let you know the expected timeline based on the type of insurance and carrier.

It depends on how old you are and which state you are in. Standard health insurance for individuals and families under 65 years old is no longer mandatory at a federal level but some states still require it.

It’s a good idea to review your health policies annually or whenever you have major life or business changes. We’re here to help ensure your coverage always meets your needs.

This depends on your situation. If for example you have a standard individual ACA health insurance plan then you can only change plans if you are eligible to do so. This is during an enrolment period or if you have something called a qualifying life event (like getting married, having a baby etc.)