Health Insurance
Protect your family's health and future. Explore your 2027 health insurance options.
Explore 2027 Health Plans
Thanksgiving 2026 · 2027 Open Enrollment
Be Thankful. Be Healthy. Be Covered.
Protect the People You're Most Thankful For.
This Thanksgiving, celebrate what matters most. Discover health insurance options for you and your loved ones for 2027.
- Licensed agents in 25 states
- Free quotes, no obligation
- A local family business
Thanksgiving and Open Enrollment countdowns
Thanksgiving Day
November 26, 2026
11Days
10Hours
45Minutes
24Seconds
Until we gather around the table. We're grateful for every family we serve.
2027 Open Enrollment
Two deadlines worth marking on the calendar
Coverage starting January 1, 2027
Enroll by this date in most states
December 15, 2026
31Days
10Hours
45Min
23Sec
Final Open Enrollment deadline
Last day to enroll for 2027 in most states
January 15, 2027
62Days
10Hours
45Min
23Sec
Dates shown follow the federal Marketplace calendar. A few state-run marketplaces set later deadlines, and we confirm your state's exact dates before you enroll.
Gather your options
A Harvest of Health Insurance Options
Health, dental, vision and Medicare coverage for every generation at your table — all reviewed by a licensed agent who works for you, not for a single carrier.
Dental Insurance
Enjoy every delicious bite of your Thanksgiving feast with a healthy smile.
See Dental Plans
The heart of the holiday
Protect the People You're Most Thankful For
Open Enrollment is the one time of year most people can change their health coverage without a qualifying life event. It is worth a few minutes to make sure the plan you have still fits the family sitting around your table.
Many households qualify for premium tax credits or cost-sharing reductions that lower the monthly cost of a Marketplace plan. Eligibility depends on your income, household size and where you live, and it is determined by the Marketplace when you apply. We will help you estimate it and understand what it means for your options — we cannot guarantee eligibility, savings, benefits or coverage.
- Review the plans available in your county before the deadline
- Compare premiums, deductibles, networks and prescriptions side by side
- Understand the financial assistance you may qualify for
Three simple steps
Insurance Made as Easy as Pie
No jargon, no runaround. Just a real person helping you get covered before the deadline.
1Get Your Free Quote
Answer a few simple questions about your household. No cost, no obligation, and no pressure.
2Compare Your Options
Review the plans available in your area side by side, including estimated financial assistance for those who qualify.
3Enroll With Assistance
A licensed agent walks you through enrollment and confirms your effective date, start to finish.
Extra reasons to smile
Something Else to Be Thankful For — A Healthy Smile and Clear Vision
Dental and vision coverage can be purchased separately, and they do not follow the health insurance Open Enrollment calendar. Many carriers offer effective dates as early as the next day after enrollment. Availability, pricing and effective dates vary by carrier and state, and we confirm the details with you before you enroll.
Dental Insurance
Cleanings, exams, fillings and more, with plans for individuals and families. Most plans are available year round, separate from health Open Enrollment.
Explore Dental PlansVision Insurance
Routine eye exams, lenses and frames, often for a low monthly premium. Vision plans can be added on their own or alongside your health coverage.
Explore Vision PlansMedicare
Give Thanks for the Generations That Came Before Us
If you are eligible for Medicare, the Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. It is the time to review your Medicare Advantage or Part D prescription drug coverage and confirm that your doctors, medications and costs still work for you.
Medicare enrollment dates are separate from the ACA Marketplace dates shown above. Our Medicare specialists can compare the plans available where you live and answer your questions in plain language.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. FLC Insurance Services is not connected with or endorsed by the U.S. government or the federal Medicare program.
A gratitude tree
What Are You Thankful For This Thanksgiving?
Pick what is on your heart and watch a leaf appear on our tree. No account, no form and no personal information — just a moment of gratitude.
Your leaf is waiting for you.
Choose something above to add the first leaf.
Your gratitude tree
A little holiday fun
Thanksgiving Trivia Challenge
Ten questions, drawn at random from our Thanksgiving question bank. No account and no contact information needed — just bring your appetite for trivia.
Ready to carve into some trivia?
You will get immediate feedback and a short explanation after every answer, so you will learn something along the way. Your final score is yours to share.
Customer appreciation
From Our Family to Yours
This Thanksgiving, we are especially grateful for the individuals and families who have placed their trust in FLC Insurance Services.
Thank you for allowing us to be part of your journey toward better health, financial security and peace of mind.
We wish you and your loved ones a beautiful Thanksgiving filled with happiness, good health and cherished memories.
Happy Thanksgiving from the FLC Insurance Services Family!
Protect What You're Thankful ForGood questions
Thanksgiving Questions, Answered
The questions we hear most often during Open Enrollment, in plain language.
When is 2027 Health Insurance Open Enrollment?
For 2027 coverage, the federal Marketplace Open Enrollment Period runs November 1, 2026 through January 15, 2027 in most states. A small number of state-run marketplaces set later deadlines. Contact us and we will confirm the exact dates for your state before you enroll.
When can my 2027 coverage begin?
In most states, a plan selected by December 15, 2026 starts January 1, 2027. A plan selected between December 16, 2026 and January 15, 2027 generally starts February 1, 2027. Your carrier confirms the exact effective date when your enrollment is submitted.
Can I qualify for financial assistance?
Premium tax credits and cost-sharing reductions are available to some households based on income, household size and where you live. Eligibility is determined by the Marketplace when you apply. We can walk you through the estimate, but we cannot guarantee eligibility, savings or benefits.
Can I change my current health insurance plan?
Yes. During Open Enrollment you can switch to a different plan, and your new coverage generally begins the first day of the following month once your enrollment is submitted. Outside Open Enrollment, a qualifying life event such as a move, marriage, or loss of coverage may open a Special Enrollment Period.
What happens if I miss Open Enrollment?
You may still be able to enroll if you qualify for a Special Enrollment Period, or through Medicaid or CHIP, which accept applications year round. Otherwise you would generally need to wait for the next Open Enrollment Period. We can review your situation and explain your options.
Can I purchase dental and vision insurance separately?
Yes. Standalone dental and vision plans are available outside of Open Enrollment, and they can be purchased on their own or alongside a health plan. Plan availability, pricing and effective dates vary by carrier and state, so we confirm the details with you before you enroll.
How can FLC Insurance Services assist me?
Our licensed agents compare the plans available in your area, explain the differences in networks, deductibles and prescriptions, and help you complete the enrollment. We work for you, not for a single carrier.
Is there a charge for obtaining a health insurance quote?
No. Quotes and our help comparing plans are completely free, with no obligation to enroll.
Dates and eligibility rules can vary by state and by household. The information above is general and is not a guarantee of eligibility, benefits, savings or coverage.
Share the warmth
Send a Thanksgiving Greeting
Share this greeting with the people you are thankful for. Save the image, or send it by text, email or Facebook — every link brings friends back to this page.
Happy Thanksgiving!
Be Thankful. Be Healthy. Be Covered.
From your friends at
FLC Insurance Services Inc.
(800) 459-5750 · flcins.com