Open Enrollment 2026: Everything You Need to Know

When Is Open Enrollment?

The annual open enrollment period for ACA Marketplace plans runs from November 1 through January 15. This is the only time most people can enroll in or change their health insurance plan without a qualifying life event. Missing this window means waiting until the next year unless you experience a qualifying event like job loss, marriage, or having a baby.

What's New for 2026

Several changes affect coverage options and costs for 2026. Enhanced premium subsidies have been extended, making marketplace plans more affordable for millions of Americans. Many states have expanded Medicaid eligibility. And new plan designs offer better coverage for mental health and telehealth services.

How to Choose the Right Plan

Start by estimating your healthcare needs for the year. If you're generally healthy, a high-deductible plan with lower premiums might save money. If you have ongoing medical needs, a plan with higher premiums but lower copays and deductibles often comes out ahead. Always check that your doctors and medications are covered before enrolling.

Don't Leave Money on the Table

Many people qualify for subsidies and don't realize it. A family of four earning up to $120,000 may qualify for premium tax credits. The only way to know is to check — and it takes less than 10 minutes to see your options on the marketplace.