Open Enrollment 2026
Open Enrollment is the once-a-year window to buy or switch ACA Marketplace health insurance without needing a qualifying life event. Here's what you need to know for the 2026 plan year.
Nov 1, 2025
Open Enrollment begins. You can browse and enroll in 2026 plans.
Dec 15, 2025
Deadline to enroll for coverage effective January 1, 2026.
Jan 15, 2026
Final deadline. Enrollments this week take effect February 1, 2026.
What to have ready
- ZIP code and county for everyone applying
- Dates of birth and legal names
- Estimated household income for 2026
- Social Security numbers (for U.S. citizens)
- Immigration document numbers (if applicable)
- Preferred doctors, hospitals, and prescriptions to check network coverage
Not sure? A licensed TruePath agent can walk you through it in one call.
Missed Open Enrollment?
If you missed the window, you may still qualify for a Special Enrollment Period due to a qualifying life event — losing job coverage, marriage, moving, having a baby, and more. Short-term health insurance is also available year-round for temporary coverage.