Health & Life Insurance You Can Trust

Open Enrollment for 2027 ACA Marketplace coverage runs November 1, 2026 through January 15, 2027. To have coverage start January 1, 2027, you generally need to enroll by December 15, 2026. Enrolling after that still gets you coverage, just with a later start date.

Outside of Open Enrollment, you can generally only enroll in or change a Marketplace health plan if you qualify for a Special Enrollment Period — for example after losing other coverage, moving, or certain life events like marriage or a new child. If you're not sure whether you qualify, ask us before assuming you're stuck waiting until next year.

Most Arizona marketplace enrollees still qualify for some level of subsidy, though the amount depends on your household income, size, and county. Subsidy rules and amounts can change year to year, so the only way to know your real number is to run your specific household through the marketplace — which we can do together on a call.

If your current insurer isn't offering plans in Arizona for 2027, your plan will not automatically continue and you may be auto-mapped to a similar plan that isn't actually your best option. We'd rather you compare all available carriers directly than get defaulted into whatever the system picks for you.

Final Expense is smaller, permanent coverage (often no medical exam) meant to cover end-of-life costs. Term Life is larger, temporary coverage for a set period like 10, 20, or 30 years, ideal for income or mortgage protection. IUL is permanent coverage that can build cash value over time. Which one fits depends on your age, budget, and goals — that's exactly what a quote call is for.

Many of our final expense and simplified-issue policies don't require a medical exam — approval is often based on a short health questionnaire instead. Some term and larger IUL policies may require one depending on the carrier and coverage amount. We'll tell you upfront which type of application applies to you.

No. Quotes and consultations are always free, with no obligation to buy. You only pay a premium if and when you choose to enroll in a plan.

No. We do not sell your data. If you submit the form, you'll hear from Kensurance directly about the coverage you asked about — not a call center, not a list of other agencies. You can opt out of texts at any time by replying STOP.

Kensurance is licensed across 18 states — see the full list below. Arizona is home base, and it's where our current Health & Open Enrollment focus is concentrated.