Open Enrollment is your once-a-year window to get or change ACA health insurance. Miss it and you'll wait a full year — unless you have a qualifying life event.
Enroll With a Licensed Broker →You can start shopping and comparing 2026 health plans. Enroll early — you don't have to wait until December.
To have your new coverage start on January 1, 2026, you must enroll by December 15. After this date, coverage starts February 1.
The last day to enroll in or change an ACA plan for 2026. Coverage begins February 1 for enrollments between December 16 and January 15.
After Open Enrollment closes, you can only get ACA coverage if you have a qualifying life event (job loss, marriage, birth, moving, etc.).
Never had ACA coverage? Open Enrollment is your opportunity. Compare plans, calculate your subsidy, and enroll in coverage for 2026.
Already have a plan but want better coverage or a lower premium? Open Enrollment is the time to switch carriers, change metal tiers, or add family members.
If you do nothing, you're typically auto-renewed into your current plan — but prices often change. Always review your plan annually to make sure it's still your best option.
You're not completely out of options — here's what's available year-round:
Our licensed brokers are available during Open Enrollment to compare every plan, calculate your exact subsidy, and handle enrollment paperwork. No cost, no obligation.
Start My Enrollment →ACA Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Enroll by December 15 for January 1 coverage. Enroll December 16 – January 15 for February 1 coverage.
Check your ACA subsidy eligibility first — most people who think they can't afford coverage qualify for significant tax credits. Use our free calculator. If you're still unaffordable, look into Medicaid (income-based, no enrollment window) or CHIP for your children.
Yes — you can change your plan any time during the Open Enrollment window (November 1 – January 15). After enrollment closes, you're locked in for the year unless you have a qualifying life event.
Technically no — you'll be auto-renewed. But you should actively review your plan each year during Open Enrollment. Premiums change, your income may have changed (affecting subsidies), and a better plan might now be available in your area.