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Deadline Approaching: Affordable Health Plans Still Available for People with Past Coverage Gaps

July 16th, 2025 — In , many people have been told they can’t get affordable health insurance because of credit, payment history, or gaps in coverage. But a little-known enrollment period is still open — and if you miss it, you could be stuck without coverage for the rest of the year.

This fast, no-obligation comparison tool is designed for everyday Americans who have struggled to get covered before. We tested it and found real plans that accept people with past issues — often for a fraction of the cost we expected.

You can lock in coverage now and start using it immediately — but you must act before enrollment closes. Many plans require nothing more than your first month’s payment to get started.

Why You Can’t Wait

• Enrollment ending soon: Once it closes, you may have to wait months to reapply.
• No credit check options: Some plans approve you instantly — no score required.
• Low upfront cost: Many start for just your first month’s payment.
• Instant proof of coverage: Use your benefits right away.

Tip: Missing this window could mean paying out-of-pocket for every doctor visit and prescription until next year.

How to Get Covered Before the Deadline

Step 1: Click your age group below.

Step 2: Answer a few quick questions and lock in your coverage before time runs out.

Get My Health Plan Before Enrollment Ends — Free »

Common Questions

Can I still get covered with bad credit? Yes — many plans don’t check credit at all.

Will they accept me if I’ve been uninsured? Many insurers welcome people returning to coverage.

How fast can I start? Often the same day you apply.