You can generally only sign up for coverage during the Open Enrollment Period (Nov 1 – Jan 15 in most states) unless you experience a qualifying life event like marriage or job loss. Getting sick is not a qualifying event to buy insurance mid-year. Common Exemptions
A single emergency room visit or hospital stay can cost thousands, often exceeding an entire year's worth of insurance premiums. do you have to buy health insurance
Most plans cover 100% of preventive services like screenings and annual check-ups, which are critical for early disease detection. You can generally only sign up for coverage