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Best Life Insurance Companies in Danbury

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2023
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Atlantica Insurance & More logo

License Verified:

License: 2219395

State of Connecticut Insurance Department

Atlantica Insurance & More

294 Main Street, Danbury, CT 06810
  • Life Insurance

Business Description

Atlantica Insurance & More was established in 1986 to provide life insurance options to individuals and businesses in Danbury and the surrounding areas. The agency is equipped with more than 60 years of combined experience in the insurance industry. It writes life insurance packages dependent on its client’s personal needs. It also offers auto, property, boat, and business insurance. In addition, Atlantica Insurance & More helps clients obtain international IDs. Its team of multilingual agents is also fluent in Spanish and Portuguese.

License Verified:

License: 2219395

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Christina Schiavo logo
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License Verified:

License: 2509981

State of Connecticut Insurance Department

Christina Schiavo

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265 Federal Road, Brookfield, CT 06804
  • Life Insurance
  • Health Insurance

Business Description

Christina Schiavo is a licensed State Farm insurance agent serving individuals and businesses from all over the Danbury metro. She has assisted clients in acquiring life insurance policies since 2012. She also offers vehicle insurance, home and property insurance, health insurance, pet insurance, and business insurance. Additionally, she helps clients with their banking and annuity needs. Her company is a member of the Brookfield Chamber of Commerce and serves the city of New York aside from Connecticut.

License Verified:

License: 2509981

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
DiMatteo Insurance logo

License Verified:

License: 2359621

State of Connecticut Insurance Department

DiMatteo Insurance

79 Bridgeport Avenue, Shelton, CT 06484
  • Life Insurance
  • Health Insurance

Business Description

DiMatteo Insurance is a family-owned business that has been providing life insurance assistance for over 50 years. The service provider offers comprehensive life programs to families in Danbury who undergo major life changes such as marriage, larger mortgage, and new child. Additionally, its agents find insurance options for individuals who received an inheritance or high raises. Available insurance programs include term and whole life plans. Life insurance covers burial costs, debt, children's education fund, and living expenses of the beneficiaries.

License Verified:

License: 2359621

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Emery & Webb Insurance logo
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License Verified:

License: 249800

State of Connecticut Insurance Department

Emery & Webb Insurance

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33 East Main Street, Pawling, NY 12564
  • Life Insurance

Business Description

Founded in 1886, Emery & Webb Insurance is a company that serves clients in and around Fishkill and its surrounding communities, including Danbury. It offers a varied portfolio of life insurance products and services, ranging from term and whole-life insurance to pension maximization plans and disability continuation plans. In addition, the company's insurance agents assist clients in acquiring homeowners', vehicle, and business insurance. Emery & Webb Insurance employs over 95 insurance professionals and currently maintains 10 offices across the United States.

License Verified:

License: 249800

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (30)
Yelp
3.5 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fida Insurance Group logo
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License Verified:

License: 2286751

State of Connecticut Insurance Department

Fida Insurance Group

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244 Monroe Turnpike, Monroe, CT 06468
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Fida Insurance Group serves Danbury individuals and business clients through its wide selection of insurance products. These insurance products include life, home, vehicle, and commercial insurance. In addition, its insurance professionals evaluate the client's financial needs to find the insurance carrier and policy that suits their needs. Fida Insurance Group's insurance agents have at least 20 years of experience in the insurance industry and come from financial services and business administration backgrounds. One of its agents, Joseph Fido, is a Certified Life Underwriter.

License Verified:

License: 2286751

State of Connecticut Insurance Department

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jim Eagan Insurance Agency logo
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License Verified:

License: 2678689

State of Connecticut Insurance Department

Jim Eagan Insurance Agency

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336 Federal Road, Brookfield, CT 06804
  • Life Insurance

Business Description

Jim Eagan Insurance Agency has been serving the personal and businesses insurance needs of Danbury since 1992. It offers individual life insurance plans, such as term life, whole life, and universal life insurance. In addition, the team designs insurance solutions for homes, cars, motorcycles, boats, and RVs. Business owners can also come to the agency for bonds, workers' compensation, and general liability insurance. Its principal agent and owner, Jim Eagan, began his career with Nationwide Insurance.

License Verified:

License: 2678689

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (12)
Facebook
4.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Johnson Stevens Curran Insurance Agency logo
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License Verified:

License: 418350

State of Connecticut Insurance Department

Johnson Stevens Curran Insurance Agency

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30 Main Street, Danbury, CT 06810
  • Life Insurance

Business Description

Johnson Stevens Curran Insurance Agency is an independent company in Danbury. It serves the life insurance needs of clients, offering both term and whole life policies from regional insurance carriers. Its team of agents simplifies the process of obtaining insurance and customizes insurance plans to meet each client's needs. They also handle personal and commercial insurance lines. Its president, Jennifer Curran is a life-long resident of the metro and has over 14 years of experience as a certified insurance counselor.

License Verified:

License: 418350

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Masterson Insurance Agency, Inc. logo
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License Verified:

License: 974120

State of Connecticut Insurance Department

Masterson Insurance Agency, Inc.

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3107 New York 22, Patterson, NY 12563
  • Life Insurance

Business Description

Masterson Insurance Agency, Inc., has been serving individuals, families, and businesses in Danbury and the surrounding areas since 1974. It assists clients in identifying their protection needs and provides simplified insurance solutions. Some of the coverages the company handles include life, health, auto, commercial, and homeowners insurance. In addition, its team of insurance agents aims to carry out claims on time. Masterson Insurance Agency represents various insurance carriers, such as Hagerty, Safeco, Mercury Insurance, and Liberty Mutual.

License Verified:

License: 974120

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.0 / 5 (12)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
North American Underwriters logo
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License Verified:

License: 618750

State of Connecticut Insurance Department

North American Underwriters

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16 Spring Lane, Farmington, CT 06032
  • Life Insurance

Business Description

North American Underwriters is an independent firm providing insurance solutions to customers in Danbury. It offers personal insurance policies like life insurance, high-value home insurance, condo insurance, classic car insurance, and recreational vehicle insurance. The company also has specialty insurance coverages such as landscaping and snowplow insurance, professional liability or errors and omissions insurance, restaurant insurance, trucker’s insurance, and garage insurance. North American Underwriters aims to help its clients save money while improving upon their coverages. It has been operating since 1967.

License Verified:

License: 618750

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Northern Fairfield Insurance logo
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License Verified:

License: 1032807

State of Connecticut Insurance Department

Northern Fairfield Insurance

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6 Mill Plain Road, Danbury, CT 06811
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Northern Fairfield Insurance is a Danbury-based insurance enterprise that offers personal insurance, commercial insurance, retirement insurance, and life insurance. The company provides its clients with a range of insurance packages such as whole life insurance, last expense insurance, and term insurance. Since its founding in 1955, Northern Fairfield Insurance has continuously assisted all of Connecticut and New York clients with the help of a large selection of prominent insurance firms.

License Verified:

License: 1032807

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Paul D'Errico logo
Visit WebsiteWebsite

License Verified:

License: 002708247

State of Connecticut Insurance Department

Paul D'Errico

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54 Miller Road, Mahopac, NY 10541
  • Individual Plans

Business Description

Paul D'Errico is a State Farm insurance agent who serves Danbury and the surrounding areas. He offers life insurance products with term life, whole life, and universal life options. He can also assist clients who are looking to change their plans or their beneficiaries. His other products include auto, home, property, and health insurance. Commercial clients can also take advantage of business policies such as commercial auto, workers' compensation, surety and fidelity bonds, and contractors' policy products.

License Verified:

License: 002708247

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Ryan Guinn logo
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License Verified:

License: 2653226

State of Connecticut Insurance Department

Ryan Guinn

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88 Connecticut 37, New Fairfield, CT 06812
  • Life Insurance
  • Health Insurance

Business Description

Ryan Guinn is a life insurance professional with State Farm Insurance catering to residents in Danbury. He assists clients and their families in securing their future financially through life insurance coverage, whether for mortgage expenses, paying off debts, or college tuition. For life insurance, he offers several options for them to choose from, including permanent life, term life, and universal life. Ryan also helps clients make changes in their policies after they have already been activated.

License Verified:

License: 2653226

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sarah De Jesus logo
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License Verified:

License: 2508905

State of Connecticut Insurance Department

Sarah De Jesus

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30 Huntington Street, Shelton, CT 06484
  • Life Insurance

Business Description

Sarah De Jesus has been with State Farm for four years before setting up her own agency. De Jesus and her team serve clients in Danbury, Shelton, and the surrounding areas. The agency educates locals on the importance of having insurance policies, namely for life insurance, auto insurance, homeowners' insurance, and health insurance. Its life insurance options are available in whole life, term life, and universal categories. Additionally, De Jesus offers insurance options for renters, condominiums, and businesses.

License Verified:

License: 2508905

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Starkweather & Shepley Insurance Broker Inc. logo
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Starkweather & Shepley Insurance Broker Inc.

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375 Bridgeport Avenue, Shelton, CT 06484
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Serving the community of Danbury, Starkweather & Shepley Insurance Broker, Inc., delivers a wide array of personal and commercial insurance lines, including life insurance. Since its establishment in 1879, the agency has been assisting individuals, families, and businesses in finding the right policy that aligns with their needs. Moreover, Starkweather & Shepley Insurance Broker is the only independent broker in Rhode Island to have an exclusive partnership with Assurex Global, a group of privately held independent insurance and risk management brokers worldwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stronghold Insurance & Financial Services logo
Visit WebsiteWebsite

License Verified:

License: 986323

State of Connecticut Insurance Department

Stronghold Insurance & Financial Services

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1 Trap Falls Road, Shelton, CT 06484
  • Life Insurance

Business Description

Stronghold Insurance & Financial Services L.L.C. is a full-service insurance company that serves clients in Danbury and the surrounding areas. It has access to multiple carriers and provides life insurance policies and other financial plans to individuals, employers, and businesses. Aside from life insurance, the company also offers other personal products and services such as homeowner, automobile, long-term care, estate planning, and disability. In addition, it helps employers to design group employee benefit plans that include dental, vision, and medical.

License Verified:

License: 986323

State of Connecticut Insurance Department

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Allen Agency Insurance & Driving School logo
Visit WebsiteWebsite

License Verified:

License: 2338803

State of Connecticut Insurance Department

The Allen Agency Insurance & Driving School

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10 Federal Road, Danbury, CT 06810
  • Life Insurance
  • Health Insurance

Business Description

The Allen Agency is a family-owned insurance agency and driving school that started in 2009 and was founded by Hellen Allen. Its team offers insurance services for life/health, auto, motorcycle, home, umbrella, renters, and more in Danbury. It's a team of licensed agents who are fluent in English, Portuguese, and Spanish. In addition, its driving school offers classroom lessons, driving lessons, online courses, and DMV services. Among its partners are Travelers, Progressive, Dairyland, and Zurich.

License Verified:

License: 2338803

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (30)
Facebook
4.0 / 5 (25)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Haas Agency logo
Visit WebsiteWebsite

License Verified:

License: 7981097

State of Connecticut Insurance Department

The Haas Agency

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107 Church Hill Road, Newtown, CT 06482
  • Life Insurance

Business Description

The Haas Agency is a family-owned independent agency catering to clients in the Danbury area. It works with multiple insurance providers to provide a wide range of coverage options. It provides life insurance and disability insurance. The Haas Agency also provides coverage for auto, motorcycle, RV, ATV, and watercraft insurance as well as homeowners, renters, and specialty dwelling insurance. Commercial and business insurance products are also available. The Haas Agency was founded in 1953 and was incorporated in 2011.

License Verified:

License: 7981097

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.0 / 5 (17)
Google
4.9 / 5 (16)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The HIQS Group logo
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License Verified:

License: 453075

State of Connecticut Insurance Department

The HIQS Group

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76 Stony Hill Road, Bethel, CT 06801
  • Life Insurance
  • Health Insurance

Business Description

The HIQS Group is a full-service independent insurance agency that operates within Bethel and its surrounding communities, including Danbury. Its insurance professionals can assist clients in acquiring a variety of insurance products, ranging from universal and term life insurance to accident plans and long-term care insurance. Moreover, the agency can perform an evaluation of a client's existing life insurance policy to determine if it still satisfies the client's financial goals. Founder and president R. Joseph Knudsen has been a licensed insurance agent since 1973.

License Verified:

License: 453075

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
3.7 / 5 (3)
Facebook
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Center logo
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License Verified:

License: 1003877

State of Connecticut Insurance Department

The Insurance Center

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6 Stony Hill Road, Bethel, CT 06801
  • Life Insurance

Business Description

The Insurance Center is an independent agency representing multiple insurance carriers that offers life insurance plans to clients around the Danbury area. The agency assists individuals, families, and business owners find life insurance plans that provide the coverage they need for their specific objectives. It also manages term life, whole life, and universal life insurance policies for its clients. Additionally, The Insurance Center offers other personal insurance plans covering auto, homes, and umbrella liability.

License Verified:

License: 1003877

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
William Hajj Insurance Agency, Inc. logo
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License Verified:

License: 352350

State of Connecticut Insurance Department

William Hajj Insurance Agency, Inc.

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36 Mill Plain Road, Danbury, CT 06811
  • Life Insurance
  • Health Insurance

Business Description

William Hajj Insurance Agency, Inc. is an insurance agency that serves individuals, families, and businesses in Danbury. It offers life insurance programs such as term life, whole life, universal life, and variable life insurance. Additionally, it provides auto, motorcycle, home, flood, and personal umbrella insurance. Its business insurance includes business owners' policies and cyber liability insurance. William Hajj Insurance Agency represents various carriers, including Applied Underwriters, Progressive Insurance, and United Property and Casualty Insurance Company.

License Verified:

License: 352350

State of Connecticut Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.