Marketplace 2026 Open Enrollment

The Health Insurance Marketplace Open Enrollment Period began on November 1 and runs through January 15, 2026. Consumers who select a plan by midnight December 15 (5 a.m. EST on December 16) can get full-year coverage that starts January 1, 2026. Consumers who select a plan after December 15, 2025, but before the deadline on January 15, 2026, can have coverage that starts February 1, 2026.

Consumers can apply for coverage online through HealthCare.gov, the Marketplace Call Center, or through a certified enrollment partner website. Consumers can also get help applying and enrolling from local trained and certified professionals including assisters, agents or brokers. To find someone local, consumers should visit HealthCare.gov/find-assistance.

For more information on PY2026 Open Enrollment please review the fact sheet: https://www.cms.gov/files/document/fact-sheet-marketplace-2026-open-enrollment.pdf

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