Open Enrollment 2026: What You Need to Know

Open Enrollment for 2026 ACA health insurance plans runs from November 1, 2025 through January 15, 2026. During this period, you can enroll in new marketplace plans, switch plans, or update existing coverage through Healthcare.gov (or your state's exchange). Missing this deadline means waiting until the next enrollment period unless you qualify for a Special Enrollment Period.

Key Dates

• November 1, 2025: Open Enrollment begins. You can start shopping and enrolling in plans.
• December 15, 2025: Deadline for coverage starting January 1, 2026.
• January 15, 2026: Final deadline. Coverage starts February 1, 2026.

What's New for 2026

The enhanced premium tax credits from the Inflation Reduction Act continue through 2026, keeping marketplace coverage affordable for millions of Americans. Key updates include:

• No one pays more than 8.5% of household income for a benchmark Silver plan
• Expanded subsidy eligibility for middle-income families
• New plan options from additional carriers in many areas

How Subsidies Work

Premium tax credits are based on your expected 2026 household income relative to the federal poverty level. A single person earning $35,000 may qualify for $300+ per month in subsidies. A family of four earning $75,000 could receive $500+ monthly. The exact amount varies by location and available plans.

Tips for Choosing a Plan

1. Check if your current doctors are in the plan's network
2. Compare total costs (premiums + deductible + copays), not just monthly premiums
3. Review prescription drug coverage if you take medications
4. Consider whether you want an HMO (lower cost, referral required) or PPO (more flexibility, higher cost)

Don't wait until the last minute. Resilience Health Advisors offers free help comparing plans from major carriers nationwide. Contact us to review your options before the deadline.