What To Do If Your Employer Doesn't Offer Health Insurance? 
Under the new Affordable Care Act , beginning in October there will be an Open Enrollment Period lasting until March of 2014 . During that time you can elect either to go with a private plan or go to the Federal or State Marketplace . If you qualify for a subsidy you will want to consider the Marketplace -LRB- otherwise known as the Exchanges -RRB- . You will be able to apply online or through an agent or navigator certified to sell on the exchange . The details are not yet known . If you are healthy you may want to contact a local health insurance agent and purchase a policy now . It will help save you on rates and you will not have the increased rates until renewal . 