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Best Life Insurance Companies in Vancouver

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2023
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Action Insurance Group logo
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License Verified:

License: 1051829

Washington State office of the Insurance Commissioner

Action Insurance Group

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5620 Northeast Gher Road, Vancouver, WA 98662
  • Life Insurance

Business Description

Established in 2000 by Jeffrey Dillard, Action Insurance Group is an independent and locally managed insurance company that serves residential and commercial clients in Vancouver and the surrounding areas. It offers a diverse range of insurance products and services, including life, renters', auto, and home insurance. A team of insurance agents works with each customer to obtain appropriate insurance coverage that meets their goals and objectives. Action Insurance Group also provides general liability and business insurance. 

License Verified:

License: 1051829

Washington State office of the Insurance Commissioner

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
Google
3.0 / 5 (6)
Facebook
5.0 / 5 (4)
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
Altech Insurance Agency logo

License Verified:

License: 154381

Washington State office of the Insurance Commissioner

Altech Insurance Agency

7813 Northeast 13th Avenue, Vancouver, WA 98665
  • Life Insurance

Business Description

Altech Insurance Agency is a provider of life insurance services to Vancouver and the surrounding areas. Its team of insurance agents offers term insurance that gives benefits and financial protection for a limited time, depending on the clients' chosen policy. In addition, they individuals who prefer to have a permanent life insurance policy for lifelong protection to their families and dependents. The company's founders, Neil and Janet Worland, donate to local organizations and support the local products around the community.

License Verified:

License: 154381

Washington State office of the Insurance Commissioner

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.
4.4
Google
4.0 / 5 (34)
Facebook
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
Angela Leary Life Insurance Services logo

License Verified:

License: 940913

Washington State office of the Insurance Commissioner

Angela Leary Life Insurance Services

4738 Northeast 48th Place, Portland, OR 97218
  • Life Insurance
  • Term Insurance

Business Description

Angela Leary Life Insurance Services is an independent broker serving clients in Vancouver. It helps clients find life insurance policies, which provide financial security to beneficiaries in the event of an unexpected death. Owner Angela Leary established the agency in 2016 on her desire to go the extra mile to help policyholders protect their assets. Leary and her staff can assist clients in preparing for final expenses, acquiring mortgage protection, business insurance, and UL (universal life). They also work with multiple insurance carriers to meet the specific needs and goals of clients.

License Verified:

License: 940913

Washington State office of the Insurance Commissioner

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)

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
Bridge City Insurance logo
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License Verified:

License: 922847

Washington State office of the Insurance Commissioner

Bridge City Insurance

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650 Northeast Holladay Street, Portland, OR 97232
  • Life Insurance
  • Health Insurance

Business Description

Bridge City Insurance is a life insurance company that services clients from Vancouver and nearby areas. The firm provides whole, universal, and term life insurance to ensure security for the clients' loved ones. It also offers a wide range of coverages for other types of insurance including home, business, life, and health. Bridge City Insurance is owned by Lyle A. Watkins, an insurance professional who has been working in the industry for more than nine years.

License Verified:

License: 922847

Washington State office of the Insurance Commissioner

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
4.7 / 5 (32)
Facebook
5.0 / 5 (12)

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
Callie Armstrong logo
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License Verified:

License: 874058

Washington State office of the Insurance Commissioner

Callie Armstrong

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1207 Washington Street, Vancouver, WA 98660
  • Life Insurance
  • Health Insurance

Business Description

Callie Armstrong is a State Farm insurance agent with nearly a decade of industry experience. She addresses the life insurance needs of individuals in Vancouver with client-oriented recommendations. She is also licensed to serve in Oregon. Callie is joined by her team of professionals in simplifying the insurance process. They also provide personal and business insurance options, such as health, property, auto, and pet insurance. In addition, they offer financial services, including annuities, banking, and mutual funds.

License Verified:

License: 874058

Washington State office of the Insurance Commissioner

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 (59)
Facebook
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
Columbia Insurance Wealth Management logo
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License Verified:

License: 230645

Washington State office of the Insurance Commissioner

Columbia Insurance Wealth Management

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8000 Northeast Parkway Drive, Vancouver, WA 98662
  • Life Insurance

Business Description

Columbia Insurance & Wealth Management is an insurance agency established in 1952. It provides individuals, families, and businesses in and around Vancouver with different insurance products. Its life insurance options include term life, whole life, and universal life policies. It also offers auto, home, health, renters’, and umbrella insurance products. For businesses, the agency offers workers’ compensation, professional liability, and commercial property insurance. The company also handles investment management and financial planning services. Estate and retirement planning services are also available.

License Verified:

License: 230645

Washington State office of the Insurance Commissioner

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
Google
4.0 / 5 (21)
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
Davidson & Associates Insurance logo
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License Verified:

License: 1003698

Washington State office of the Insurance Commissioner

Davidson & Associates Insurance

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11112 Northeast 51st Circle, Vancouver, WA 98682
  • Life Insurance
  • Long Term Care

Business Description

Davidson & Associates Insurance is a locally operated independent insurance agency serving individuals and businesses in Vancouver and 17 other states. It works with multiple insurance companies and has access to various products. It offers life insurance plans including long-term care, income protection, and disability insurance. Products such as business, specialty, and personal insurance are also available. Davidson & Associates Insurance has been in the industry since 1990. It has received recognition from the Independent Insurance Agents and Brokers of America, Inc.

License Verified:

License: 1003698

Washington State office of the Insurance Commissioner

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
Facebook
4.0 / 5 (48)
Yelp
5.0 / 5 (38)

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
––
Dick Hannah Insurance Agency logo

License Verified:

License: 822420

Washington State office of the Insurance Commissioner

Dick Hannah Insurance Agency

3321 Northeast Auto Mall Drive, Vancouver, WA 98662
  • Life Insurance

Business Description

Based in Vancouver, Dick Hannah Insurance is a full-service agency that has been delivering personalized coverage plans to the metro for more than 70 years. The family-owned company represents multiple insurance carriers to provide term life, whole life, and universal life insurance options to its clients. Its agents help in finding a suitable provider and coverage plan depending on the customers' needs. Dick Hannah Insurance also covers auto, home, motorcycle, business, financial services, and umbrella insurance plans.

License Verified:

License: 822420

Washington State office of the Insurance Commissioner

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.
4.4
Google
4.0 / 5 (52)
Yelp
2.5 / 5 (3)
Facebook
3.0 / 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
Finders Insurance logo
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License Verified:

License: 153237

Washington State office of the Insurance Commissioner

Finders Insurance

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3503 East 4th Plain Boulevard, Vancouver, WA 98661
  • Life Insurance
  • Health Insurance

Business Description

Vancouver-based independent insurance agency, Finders Insurance, has been serving the area for nearly 40 years. It serves individuals and businesses alike and acts as their representative when selecting coverage through claim filing. Because being independent has allowed the agency to have healthy relationships with many reputable and well-known insurance companies, it is able to give clients the power of choice when it comes to insurance. Its personal insurance packages include life, home, auto, and condo insurance.

License Verified:

License: 153237

Washington State office of the Insurance Commissioner

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
4.0 / 5 (335)
Facebook
4.0 / 5 (36)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Floyd Watkins & Associates Insurance Agency logo
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License Verified:

License: 100154521

Oregon Division of Financial Regulation

Floyd Watkins & Associates Insurance Agency

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12009 NE 99th Street, Suite 1480 , Vancouver, WA 98682
  • Life Insurance

Business Description

Floyd Watkins & Associates Insurance Agency serves small and large businesses, families, and individuals in Vancouver. It offers personal insurance coverages, such as life insurance, health insurance, disability insurance, dental insurance, and long-term care insurance. The company also provides business insurance options, including overhead expense insurance, key person replacement insurance, individual disability income insurance, and disability buy-out insurance. Floyd Watkins & Associates Insurance Agency has been delivering insurance solutions since it was established in 1966.

License Verified:

License: 100154521

Oregon Division of Financial Regulation

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
––
Jeff Mays Insurance Agency logo
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License Verified:

License: 801273

Washington State office of the Insurance Commissioner

Jeff Mays Insurance Agency

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3414 Northeast 52nd Street, Vancouver, WA 98661
  • Life Insurance

Business Description

Jeff Mays Insurance Agency is an independent, full-line agency that serves Vancouver and other neighboring metros. It is dedicated to educating its clients about various insurance products and finding the best coverage that suits their needs. It offers life insurance policies which include term life, whole life, and universal life. In addition, it also helps individuals acquire home insurance which covers replacement costs, the structure of the home, liability, personal possessions, and living expenses during disasters.

License Verified:

License: 801273

Washington State office of the Insurance Commissioner

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 (39)
Facebook
4.0 / 5 (8)
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
Kathy Landers logo

License Verified:

License: 128678

Washington State office of the Insurance Commissioner

Kathy Landers

6680 Northeast 159th Avenue, Vancouver, WA 98682
  • Life Insurance

Business Description

Kathy Landers is a State Farm insurance agent that delivers coverage plans to Vancouver and the surrounding areas. She provides customized life insurance products tailored to her clients' needs. For more than 20 years, the lifelong Washington resident has also been offering auto, home, health, pet, commercial, and business insurance. State Farm has also recognized her for her performance and commitment to service. Kathy Landers also renders her services to residents of Portland.

License Verified:

License: 128678

Washington State office of the Insurance Commissioner

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.
4.7
Google
4.9 / 5 (50)
Yelp
4.0 / 5 (10)
Facebook
4.0 / 5 (7)

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
Neil Daly logo
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License Verified:

License: 900652

Washington State office of the Insurance Commissioner

Neil Daly

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255 South 47th Avenue, Ridgefield, WA 98642
  • Life Insurance

Business Description

Neil Daly owns a State Farm agency that offers services to clients in Vancouver and surrounding areas. Daly focuses on delivering life insurance coverages that include whole life insurance, term life insurance, and universal life insurance. With more than five years of experience in the industry, he assists with home, auto, small business, and renters' insurance policies. He also guides clients throughout the process of choosing insurance coverage for their health and pets. Moreover, he provides banking and annuity services.

License Verified:

License: 900652

Washington State office of the Insurance Commissioner

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 (5)
Yelp
3.0 / 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
Nicholson & Associates Insurance LLC logo
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License Verified:

License: 169439

Washington State office of the Insurance Commissioner

Nicholson & Associates Insurance LLC

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9413 Northeast Highway 99, Vancouver, WA 98665
  • Life Insurance
  • Health Insurance

Business Description

With an office in Vancouver, Nicholson & Associates Insurance, LLC is an independent agency that provides insurance services to individuals, families, and businesses in The Couve. It has partnered with multiple carriers that offer a wide range personal and business insurance packages. It carries life insurance plans like term life, whole life, universal life, and variable life insurance. Additionally, it provides business packages like BOP and general commercial liability. Drake Nicholson is the principal of the nearly-50-year-old agency.

License Verified:

License: 169439

Washington State office of the Insurance Commissioner

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 (15)

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
––
NW Area Insurance LLC logo
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License Verified:

License: 1012497

Washington State office of the Insurance Commissioner

NW Area Insurance LLC

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7636 Northeast Hazel Dell Avenue, Vancouver, WA 98665
  • Life Insurance

Business Description

NW Area Insurance LLC is an insurance firm that serves insurance options for individuals, families, and businesses in Vancouver and the surrounding communities. It carries insurance plans like life insurance, accident insurance, fixed annuities, and AFLAC insurance. Additionally, it provides auto insurance, home insurance, and earthquake, flood & landslide insurance. Additionally, it offers commercial insurance packages like professional liability & malpractice, errors & omissions, and commercial bonds. NW Area Insurance LLC is licensed in WA, OR, ID, and AZ.

License Verified:

License: 1012497

Washington State office of the Insurance Commissioner

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 (6)
Facebook
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
P3 Insurance Agency LLC logo
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License Verified:

License: 983757

Washington State office of the Insurance Commissioner

P3 Insurance Agency LLC

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3207 Northeast 54th Street, Vancouver, WA 98663
  • Life Insurance
  • Individual Plans

Business Description

P3 Insurance Agency LLC is an independent firm in Vancouver owned by Paula Whitehurst. She has a career spanning more than 15 years in the insurance industry, guiding clients on making informed decisions when they purchase insurance. The company is able to assist clients in obtaining personal coverage plans, such as life, homeowners', auto, and renters' insurance. As an independent agency, it is able to write insurance with a wide selection of companies, including Nationwide, Progressive, and Allstate.

License Verified:

License: 983757

Washington State office of the Insurance Commissioner

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 (16)
Facebook
5.0 / 5 (13)
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
Travis Feucht logo

License Verified:

License: 167474

Washington State office of the Insurance Commissioner

Travis Feucht

5620 Northeast Gher Road, Vancouver, WA 98662
  • Life Insurance

Business Description

Based in Vancouver, Travis Feucht works as an insurance agent representing American National. He serves the insurance needs of individuals, families, and businesses in the metro and the surrounding communities. He offers life insurance plans like universal life, whole life insurance, term life, guaranteed universal life, and indexed universal life. Travis has had 19 years of experience in the industry. His company, American National, is a group of companies that provide a wide variety of insurance products and operates in all states.

License Verified:

License: 167474

Washington State office of the Insurance Commissioner

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.
4.7
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Warshauer Agency logo

License Verified:

License: 258041

Washington State office of the Insurance Commissioner

Warshauer Agency

1220 Main Street, Vancouver, WA 98660
  • Life Insurance

Business Description

WarshWarshauer Agency has been serving the insurance needs of individuals and families in Vancouver since 1988. The independent agency has more than 27 years of experience specializing in providing clients with life and health insurance products that match their specific needs. It also offers short-term medical, vision, and dental insurance policies. It represents multiple insurance carriers in the state of Washington, including Kaiser Permanente, Regence, and Molina Healthcare. Established by Sherry Warshauer, the agency is led by Warshauer's daughter, Kristi Lang-Brown, a broker for 23 years.

License Verified:

License: 258041

Washington State office of the Insurance Commissioner

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 (35)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Your Insurance Gal logo
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License Verified:

License: 888168

Washington State office of the Insurance Commissioner

Your Insurance Gal

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113 Northeast 92nd Avenue, Vancouver, WA 98664
  • Life Insurance

Business Description

Vancouver-based Your Insurance Gal is an agency founded by Stacey Johnson, who has over 18 years of experience in the insurance industry. Its life insurance policy options under the term and permanent categories protect families in the event of a tragedy. The agency also specializes in health insurance that has individual coverage, group health, short-term, vision, disability, and dental coverage. Your Insurance Gal also assists people looking for Medicare insurance solutions including Medicare advantage, supplement, and prescription drug plans.

License Verified:

License: 888168

Washington State office of the Insurance Commissioner

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.
3.8
Google
4.0 / 5 (43)
Yelp
3.0 / 5 (8)

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
––

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.