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Your trusted guide in the marketplace
Medical
Medical
Medical
Pinnacle Family Insurance makes ACA health insurance simple. We provide expert guidance through the Health Insurance Marketplace, helping you find affordable ACA-compliant coverage that fits your family’s needs and budget. Our advisors act as your personal advocates, assisting with enrollment, plan selection, and benefits understanding,
Pinnacle Family Insurance makes ACA health insurance simple. We provide expert guidance through the Health Insurance Marketplace, helping you find affordable ACA-compliant coverage that fits your family’s needs and budget. Our advisors act as your personal advocates, assisting with enrollment, plan selection, and benefits understanding, ensuring you get the most value from your ACA health insurance plan.
Dental
Medical
Medical
Our dental insurance plans cover routine cleanings, preventive care, and major dental procedures, helping you maintain a healthy smile without breaking the bank. We guide you in finding affordable dental coverage that fits your budget and ensures your family has access to the dental care they need, when they need it.
Vision
Medical
Vision
Pinnacle Family Insurance offers affordable vision insurance plans that prioritize your family’s eye health. Our coverage includes routine eye exams, prescription glasses, contacts, and discounts on corrective procedures, helping you maintain clear vision for life’s important moments.
Important Information to Know
Why Enrollment Dates Matter for the Health Insurance Marketplace
Enrollment dates are critical when it comes to securing health insurance through the Health Insurance Marketplace. The Open Enrollment Period is the designated time each year when individuals can sign up for, renew, or make changes to their health insurance plans. Missing this window can mean going uninsured for the year or waiting months until the next opportunity to enroll.
Unless you qualify for a Special Enrollment Period—triggered by life events like losing other coverage, getting married, having a baby, or moving—you generally cannot sign up for coverage outside of open enrollment. This can lead to financial risk in case of unexpected medical needs and limited access to affordable care.
Being aware of and acting within enrollment dates ensures you’re protected, avoid penalties (in some states), and maintain access to subsidies or cost-sharing reductions if you qualify.
What is a Special Enrollment Period (SEP)?
Special Enrollment Period (SEP):
A SEP is a time outside the annual Open Enrollment Period when you can sign up for health insurance due to major life changes like losing coverage, marriage, having a baby, moving, or changes in income.
Why It Matters:
SEPs provide a vital safety net, helping you avoid gaps in coverage during life transitions. You usually have 60 days after the event to enroll.
The 15th of the Month Rule: What It Means
When you qualify for a Special Enrollment Period, the day you submit your application plays a big role in when your health insurance coverage will begin.
If you enroll on or before the 15th of the month, your coverage will usually start on the first day of the following month.
For example, if you apply on June 10, your coverage would begin July 1.
However, if you enroll after the 15th of the month, your coverage won’t begin until the first day of the second following month.
So, if you apply on June 18, your coverage would not start until August 1.
This means even a small delay in applying can push your coverage start date back by a full month, leaving you without insurance for longer than expected.
What is Open Enrollment?
Open Enrollment is the period each year when you can sign up for, renew, or change your health insurance plan through the Health Insurance Marketplace.
For most states, Open Enrollment runs from November 1 to January 15.
- If you enroll by December 15, your coverage usually starts January 1.
- If you enroll after December 15 but before January 15, coverage typically starts February 1.
This is the main window to get coverage unless you qualify for a Special Enrollment Period due to a life event like losing insurance, having a baby, or moving.