Private Health Insurance Coverage in 31 States
At Top Tier Coverage Advising, insurance advisor Emmanuel Lopez is proud to offer private health insurance coverage to individuals and families across the United States. Licensed to provide coverage in the following states:
Where you shop for coverage — and your deadline to enroll — depends on which kind of marketplace your state runs. Here’s the breakdown for 2027 plan year enrollment:
States With Their Own Exchange
Colorado, Georgia, Illinois, Kentucky, Maryland, Nevada, and Virginia run their own state-based marketplaces rather than using HealthCare.gov directly. Most follow the standard November 1, 2026 – January 15, 2027 window, with two exceptions:
Illinois extends through January 31, 2027
Virginia extends through January 29, 2027
State exchanges set their own calendars and can adjust them year to year, so confirm your exact deadline directly on your state’s marketplace before you rely on it.
Arkansas and Oklahoma
Both states select and manage their own marketplace plans but still use the HealthCare.gov platform for enrollment — you’ll shop on HealthCare.gov, but the plan options are state-managed.
Standard Federal Marketplace States
Alabama, Delaware, Florida, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, North Carolina, Ohio, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin, and Wyoming all use HealthCare.gov, with open enrollment running November 1, 2026 – January 15, 2027. To have coverage start January 1, 2027, enroll by December 15, 2026 in most of these states.
Not Sure Which Applies to You?
Whichever state you’re in, I can walk you through your specific deadline and options.
Alabama: Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, and more
Arkansas: Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, and more
Colorado: Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, and more
Delaware: Wilmington, Dover, Newark, Middletown, Smyrna, and more
Florida: Jacksonville, Miami, Tampa, Orlando, St. Petersburg, and more
Georgia: Atlanta, Augusta, Columbus, Macon, Savannah, and more
Iowa: Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, and more
Illinois: Chicago, Aurora, Rockford, Joliet, Naperville, and more
Indiana: Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, and more
Kansas: Wichita, Overland Park, Kansas City, Topeka, Olathe, and more
Kentucky: Louisville, Lexington, Bowling Green, Owensboro, Covington, and more
Louisiana: New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette, and more
Maryland: Baltimore, Columbia, Germantown, Silver Spring, Waldorf, and more
Michigan: Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, and more
Missouri: Kansas City, St. Louis, Springfield, Columbia, Independence, and more
Mississippi: Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, and more
Montana: Billings, Missoula, Great Falls, Bozeman, Butte, and more
NorthCarolina: Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, and more
Nebraska: Omaha, Lincoln, Bellevue, Grand Island, Kearney, and more
Nevada: Las Vegas, Henderson, Reno, North Las Vegas, Sparks, and more
Ohio: Columbus, Cleveland, Cincinnati, Toledo, Akron, and more
Oklahoma: Oklahoma City, Tulsa, Norman, Broken Arrow, Lawton, and more
SouthCarolina: Columbia, Charleston, North Charleston, Mount Pleasant, Rock Hill, and more
SouthDakota: Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, and more
Tennessee: Nashville, Memphis, Knoxville, Chattanooga, Clarksville, and more
Texas: Houston, San Antonio, Dallas, Austin, Fort Worth, and more
Utah: Salt Lake City, West Valley City, Provo, West Jordan, Orem, and more
Virginia: Virginia Beach, Norfolk, Chesapeake, Richmond, Newport News, and more
Wisconsin: Milwaukee, Madison, Green Bay, Kenosha, Racine, and more
Wyoming: Cheyenne, Casper, Laramie, Gillette, Rock Springs, and more
No matter where you are located, we have the expertise and experience to help you find the right private health insurance plan to meet your needs. Emmanuel Lopez, as your personal insurance advisor, will work with you to understand your unique health needs and budget constraints, and guide you through the enrollment process from start to finish.
Our private health insurance plans cover a range of medical expenses, including preventative care, doctor visits, hospital stays, and prescription medications. We understand that every individual and family has unique health needs and budget constraints, which is why we offer a range of plan options and pricing to fit your specific situation.
If you are in need of private health insurance coverage in any of the states we serve, please don't hesitate to contact Emmanuel Lopez at Top Tier Coverage Advising today at 757-281-8178. We would be honored to assist you in finding the right plan to protect your health and financial well-being.
