Home › The eligibility quiz
Free 60-second quizWhat Health Insurance Can I Actually Get? Answer 5 Questions and Find Out
By Dick Tracy · Published August 8, 2026
Most people only know about one door: the marketplace. There are usually more. This quiz asks 5 quick questions and shows you which routes you likely qualify for: marketplace plans, private coverage priced on you, group strategies, or Medicare. No email required, and your answers never leave your browser. Nobody sees them, including me. I educate, you decide.
Educational only, not a quote, approval, or enrollment advice. "Likely" means how eligibility usually works; the carrier always makes the final call. Your answers stay in your browser and are never stored or sent anywhere.
Why a quiz instead of a quote form?
Because the first question is never "which plan." It's "which doors are even open to you." Eligibility depends on how you earn, who needs covering, where you live, and health, and most people waste weeks applying for the wrong thing or assuming the marketplace is the only game in town. Five questions sorts the map. Then, if you want a second set of eyes on the actual numbers, that's what I do all day: side-by-side comparisons across 80+ carriers, no hard sell, ever.
Common questions about health insurance eligibility
Can I get coverage outside of open enrollment?
Often, yes. Losing job coverage opens a special enrollment window, usually 60 days, then it's gone. Private underwritten plans enroll year-round for people healthy enough to qualify. And in New York, the Essential Plan enrolls year-round for households under roughly 250% of the federal poverty level, pre-existing conditions covered.
Will my health history stop me from getting coverage?
It closes some doors and leaves others wide open. Private underwritten plans ask health questions, and serious ongoing care usually means a decline, so don't waste weeks there. Marketplace plans ask zero health questions and cover pre-existing conditions, period. The strategy is picking the right lane, not forcing the wrong one.
Does this quiz collect my information?
No. It runs entirely in your browser. Your answers are never stored, transmitted, or seen by anyone, including me. No email wall, no signup. If you want help after seeing your result, reaching out is your choice.
What about turning 65?
That's Medicare territory: Original Medicare with a supplement, or Medicare Advantage, plus drug coverage. Your first enrollment window matters more than people realize, so get educated before you pick. I walk people through it side by side.
Is my result an actual quote or approval?
No. It's a map: the routes you likely qualify for, based on how eligibility actually works. Final answers always come from the carrier. The map keeps you off the dead-end roads; a licensed broker gets you to the address.
Tell me your situation and I'll show you the actual plans and prices in your lane, side by side. Free, no hard sell, ever. I educate, you decide.
Grab a time right here
Pick a slot below and it lands on both our calendars. No phone tag, no hard sell. I educate, you decide.