Expertise.com

Best Life Insurance Companies in San Antonio

2023

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Life Insurance Companies FAQs 〉

Last updated: August 23, 2023

Visit WebsiteWebsite

License Verified:

License: 7871131

Texas Department of Insurance

Visit WebsiteWebsite
234 Bandera Rd, San Antonio, TX 78228

Business Description

Saucedo Insurance Agency is a full-service business operating in San Antonio. It offers term and permanent life insurance coverage options, which can be used for purposes like college education funding and paying off debt. Its team of professionals shops across a wide range of carriers to provide tailored solutions and help clients choose, including Allstate, Progressive, Nationwide, Foremost, and National General. The agency also provides insurance plans for homeowners, contractors, businesses, automobiles, and workers' compensation.

License Verified:

License: 7871131

Texas Department of Insurance

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
4.5 / 5 (20)
Facebook
5.0 / 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
––
Visit WebsiteWebsite

Visit WebsiteWebsite
2060 Universal City Blvd Ste B, Universal City, TX 78148

Business Description

Liberatore Insurance Group is an independent insurance agency near San Antonio that specializes in auto, home, commercial, and individual life insurance. It provides no-obligation quotes from leading carriers, offers impartial advice on the pros and cons of competing policies, and ensures clients fully understand their level of coverage. Its agents arrange an array of policies that manage risk, such as mortgage protection should the holder lose their income, and universal life, protecting the policyholder throughout their years.

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 (22)
Facebook
5.0 / 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
Visit WebsiteWebsite

License Verified:

License: 19090375

Texas Department of Insurance

Visit WebsiteWebsite
16111 San Pedro Avenue Suite 101, San Antonio, TX 78232
  • Health Insurance

Business Description

The Insurance Solutions Experts (TISE) is a life and health insurance agency that caters to clients in San Antonio. It educates applicants and policyholders about term, whole, and universal life plans. The agency explains the death benefits of each plan, such as inheritance or income replacement. It also compares monthly and annual rates to fit a client's budget. Aside from life insurance, TISE handles dental and group health plans for businesses or commercial establishments.

License Verified:

License: 19090375

Texas Department of Insurance

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 (85)
Facebook
5.0 / 5 (20)
Yelp
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
Visit WebsiteWebsite

License Verified:

License: 1764313

Texas Department of Insurance

Visit WebsiteWebsite
8000 West Interstate 10, San Antonio, TX 78230
  • Life Insurance

Business Description

The Insurance Guys is an independent insurance agency that helps individuals and businesses in Round Rock and the surrounding cities secure their future. This firm offers personal insurance coverage for different policies such as home, auto, and life insurance. Additionally, it also specializes in professional liability, workers’ compensation, commercial vehicle insurance, and umbrella policy. The Insurance Guys has experienced insurance agents who strive in creating customized insurance solutions that match the needs of each client.

License Verified:

License: 1764313

Texas Department of Insurance

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 (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
Visit WebsiteWebsite

License Verified:

License: 1623304

Texas Department of Insurance

Visit WebsiteWebsite
1777 NE Interstate 410 Loop Suite 600, San Antonio, TX 78217
  • Life Insurance
  • Permanent Life Insurance Policy

Business Description

Sogo is a family-owned full-service insurance brokerage and financial services firm that has been serving individuals, families, and business owners from San Antonio for more than a decade. It provides different kinds of life insurance, including individual life, child life, and key person life insurance. The other types of insurance that the company offers include long-term care, long-term disability, and home insurance. Sogo is a member of the National Association of Insurance and Financial Advisers.

License Verified:

License: 1623304

Texas Department of Insurance

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 (176)
Facebook
5.0 / 5 (64)
Yelp
3.5 / 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
Visit WebsiteWebsite

License Verified:

License: 2200992

Texas Department of Insurance

Visit WebsiteWebsite
1630 Lockhill Selma Road, San Antonio, TX 78213
  • Life Insurance

Business Description

Fidelis Insurance Brokers is a San Antonio-based independent insurance brokerage with more than 15 years of experience. Its goal is to protect individuals, families, and businesses from the financial impact of unexpected situations. This agency offers individual life insurance packages encompassing term life, whole life, and universal life packages. It also offers child life insurance with funeral, counseling, and leave from work coverage that doubles as savings for college fees. Additionally, Fidelis Insurance Brokers offers extensive personal and business insurance policies.

License Verified:

License: 2200992

Texas Department of Insurance

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 (51)
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
Visit WebsiteWebsite

License Verified:

License: 2510940

Texas Department of Insurance

Visit WebsiteWebsite
10728 Perrin Beitel Rd, San Antonio, TX 78217
  • Life Insurance
  • Health Insurance

Business Description

Health And Life Insurance Enrollment Center serves individuals and families in and around San Antonio. As an independent insurance agency, it works with various providers to help clients find and understand the coverage that best meets their specific needs. It offers term life and whole life insurance options, individual and family health plans, and vision and dental coverage. The company also provides supplemental insurance for accidents, disability, critical illness, fixed indemnity, hospital confinement, and long-term care.

License Verified:

License: 2510940

Texas Department of Insurance

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 (17)
Facebook
4.7 / 5 (6)

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
––
Visit WebsiteWebsite

License Verified:

License: 1053974

Texas Department of Insurance

Visit WebsiteWebsite
111A S Teel St, Devine, TX 78016
  • Life Insurance

Business Description

Get More Insurance Services Inc is an agency serving San Antonio and surrounding communities. It helps individuals in acquiring life insurance policies that meet their needs, preferences, and circumstances. Its team presents products from different insurance carriers, such as Columbia Lloyds, Homeowners of America, and State Auto. One of its agents, Cynthia A. Sultenfuss, has more than 20 years of industry experience. She led the way in adding bookkeeping, income tax, and payroll solutions to the office's list of services.

License Verified:

License: 1053974

Texas Department of Insurance

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.
3.9
Google
4.2 / 5 (5)
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
Visit WebsiteWebsite

License Verified:

License: 1647421

Texas Department of Insurance

Visit WebsiteWebsite
18587 Sigma Road Ste 210, San Antonio, TX 78258
  • Life Insurance
  • Health Insurance

Business Description

My Insurance Group is an insurance brokerage that offers products and services to individuals, families, and businesses in San Antonio. The company has 10 insurance advisors who write policies for life, health, property, and auto coverage. Its insurance products include term and whole life solutions to cover final costs, mortgage payments, educational expenses, and short-term debt upon death. New and existing customers can also file claims and pay premiums through its online platform.

License Verified:

License: 1647421

Texas Department of Insurance

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 (288)
Facebook
5.0 / 5 (59)

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
Visit WebsiteWebsite

Visit WebsiteWebsite
8018 Broadway St Ste 202, San Antonio, TX 78209

Business Description

The Basis Insurance Group is a risk management and health insurance company in San Antonio, founded in 2014 to serve individuals and businesses throughout the metro area. Its health insurance services focus on group health, including dental and vision. Its agents work with companies to develop group health plans. They have access to the policies of leading carriers, such as United Healthcare and Humana, giving them the freedom to choose and the power to negotiate better rates for their clients.

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 (22)
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
Visit WebsiteWebsite

License Verified:

License: 2295082

Texas Department of Insurance

Visit WebsiteWebsite
1923 Culebra Rd B2, San Antonio, TX 78201
  • Life Insurance

Business Description

CompleteCare Insurance Group LLC is an independent agency that caters to individuals and families in San Antonio and the surrounding areas. The company has been in the industry since 2008, providing a wide selection of products, including life, health, and Medicare insurance. Its life insurance options cover whole and term life policies. Its additional options include vision and dental insurance. The company's agents can accommodate Spanish-speaking policyholders. Its other service areas include Austin and New Mexico.

License Verified:

License: 2295082

Texas Department of Insurance

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 (3)
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
Visit WebsiteWebsite

License Verified:

License: 698989

Texas Department of Insurance

Visit WebsiteWebsite
1534 W Contour Dr #301, San Antonio, TX 78212
  • Life Insurance

Business Description

M A R Financial Group is an insurance agency catering to the personal and commercial risk management needs of San Antonio. It customizes life insurance protection plans, with options for group benefits, voluntary insurance, and employee benefits. Its insurance agents assist clients in choosing from different coverage options, including mortgage protection, group life, individual life, and long-term care insurance. The agency has been insuring the local community for over 20 years. It supports organizations like Texas Public Radio and UNHCR.

License Verified:

License: 698989

Texas Department of Insurance

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 (2)
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
Visit WebsiteWebsite

License Verified:

License: 1306287

Texas Department of Insurance

Visit WebsiteWebsite
930 SW Military Drive Suite 102, San Antonio, TX 78221
  • Life Insurance

Business Description

Insurance Xchange is an independent insurance agency that serves individuals, families, and business owners from San Antonio and the surrounding areas. It provides life insurance and health insurance plans. Other personal lines of insurance that it offers include homeowners', automobile, and motorcycle insurance. It also provides business and commercial insurance plans, such as general liability and workers' compensation insurance. Insurance Xchange has been in operation since 2015. The company has served more than 1,300 clients.

License Verified:

License: 1306287

Texas Department of Insurance

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 (49)
Facebook
5.0 / 5 (6)

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
Visit WebsiteWebsite

License Verified:

License: 1132083

Texas Department of Insurance

Visit WebsiteWebsite
430 Austin Street Suite 200, San Antonio, TX 78209
  • Life Insurance
  • Health Insurance

Business Description

Offenhauser & Co., serves clients in the San Antonio metro. It offers a variety of life insurance coverage, including term, whole, and universal life plans, to individuals seeking to provide financial benefits to family members upon premature death. Its term life insurance is available with fixed premiums and convertible to permanent coverage. Its whole life and universal life plans build cash value over time, which helps with college tuition and home expenses. Offenhauser & Co. has 140 years of industry experience.

License Verified:

License: 1132083

Texas Department of Insurance

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
Facebook
4.7 / 5 (22)
Google
4.8 / 5 (20)

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
Visit WebsiteWebsite

License Verified:

License: 3150

Texas Department of Insurance

Visit WebsiteWebsite
1383 East Bitters #1, San Antonio, TX 78216
  • Life Insurance

Business Description

David Ison & Sons Insurance, Inc., is an independent agency that caters to clients in San Antonio and the surrounding areas. It provides different types of life insurance, including term and whole life coverages. The firm offers three types of whole life insurance: universal, variable universal, and traditional whole life. It helps clients choose from a variety of carriers, including Nationwide, Berkshire Hathaway Homestate Companies, Liberty Mutual Insurance, and Progressive, the policy that suits their needs. The company has been in the insurance industry since 1978.

License Verified:

License: 3150

Texas Department of Insurance

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
4.9 / 5 (54)
Google
5.0 / 5 (23)
Yelp
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
Visit WebsiteWebsite

License Verified:

License: 1669406

Texas Department of Insurance

Visit WebsiteWebsite
16620 San Pedro Ave Suite 100, San Antonio, TX 78232
  • Life Insurance
  • Health Insurance

Business Description

Westex Insurance Services is an independent agency that has been serving clients in San Antonio and surrounding areas since 1970. It surveys the marketplace and conducts needs analyses for individuals and their families to provide term or whole life insurance suitable for their budgets. The company offers short- and long-term disability policies and insurance plans for homeowners, boats, and all-terrain vehicles. Westex Insurance Services also extends its products to commercial customers who need coverage for cyber and general liability.

License Verified:

License: 1669406

Texas Department of Insurance

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 (12)
Facebook
5.0 / 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
Visit WebsiteWebsite

License Verified:

License: 2740126

Texas Department of Insurance

Visit WebsiteWebsite
4404 San Pedro, San Antonio, TX 78212
  • Life Insurance

Business Description

Bexar Insurance Group is an independent agency that serves clients throughout San Antonio and its surrounding communities. It provides various insurance products, including term and cash value life insurance plans. It helps clients in selecting the right level of coverage for their needs. The agency represents multiple carriers in the industry to provide clients with more policy options. Additionally, it offers auto, business, and homeowners' insurance products. It has been providing insurance solutions since 2002.

License Verified:

License: 2740126

Texas Department of Insurance

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
Google
4.4 / 5 (41)
Facebook
5.0 / 5 (7)
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
Visit WebsiteWebsite

License Verified:

License: 677899

Texas Department of Insurance

Visit WebsiteWebsite
5250 Prue Road, Suite 445, San Antonio, TX 78240
  • Life Insurance

Business Description

Ameritas is an insurance firm serving San Antonio and neighboring communities. It has been providing insurance, employee benefits, and financial services for more than a century. It offers a variety of products to help people prepare for life's uncertainties, such as life and disability income insurance. It also helps clients achieve their financial goals through wealth management products, such as investments and annuities. In addition to personal coverage, the agency has available employee benefits products, including dental and vision insurance.

License Verified:

License: 677899

Texas Department of Insurance

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.
4.3

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
Visit WebsiteWebsite

License Verified:

License: 7442

Texas Department of Insurance

Visit WebsiteWebsite
9310 Broadway #100, San Antonio, TX 78217
  • Life Insurance

Business Description

Dan Kay Insurance is an independent local agency operating in San Antonio. It helps individuals in accessing term or whole life insurance plans that contribute to charitable donations, paying final expenses, creating an inheritance for heirs, and paying federal death and estate taxes. Its team assists with considering different factors in customizing a policy, such as the number of children, future earnings potential, and the amount of debt a client has. The firm also provides insurance coverage options for health, umbrella, and high-net-worth individuals.

License Verified:

License: 7442

Texas Department of Insurance

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
4.7 / 5 (30)
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
Visit WebsiteWebsite

Visit WebsiteWebsite
7410 Blanco Rd Ste 385, San Antonio, TX 78216

Business Description

Founded more than 35 years ago, the Toubin Insurance Agency is an award-winning provider of life and health insurance and employee benefits plans. An independent agency, it has developed links with leading carriers, such as Aetna and Transamerica, to bring its clients an array of policies that satisfy their coverage requirements. Its group health plans also cover vision and dental and can be tailored to include life insurance and disability.

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
4.8 / 5 (20)
Facebook
3.0 / 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

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.