Understanding the Open Enrollment Period for 2026
The Open Enrollment Period for Healthcare.gov coverage for 2026 starts on November 1, 2025. This is the time when individuals can enroll in new health plans, with the ability to make changes to their existing plans.
Key dates to remember include:
- December 15, 2025: Last day to enroll for coverage starting January 1, 2026.
- January 1, 2026: Coverage begins for those who enrolled by December 15, 2025.
- January 15, 2026: Final day to enroll for coverage starting February 1, 2026.
- February 1, 2026: Coverage begins for those enrolled between December 16, 2025, and January 15, 2026.
Note that the open enrollment period may be shortened in 2026, so be sure to check for any updates.
Special Enrollment Period Qualifications
Outside the open enrollment period, you may qualify for a Special Enrollment Period (SEP) due to life changes such as:
– Marriage
– Birth or adoption of a child
– Divorce or legal separation with loss of coverage
– Death causing loss of coverage
– Moving to a new residence
– Loss of other qualifying health insurance.
If you experience any of these events, you typically have 60 days to enroll in a new plan. Always refer to Healthcare.gov for the latest information.
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