The ACA Open Enrollment Period is your once-a-year opportunity to sign up for affordable, comprehensive health insurance coverage through the Marketplace. Whether you're renewing or applying for the first time, the 2026 season comes with updates, key deadlines, and important tips to maximize your savings.
Let's walk through everything you need to know to get covered.
📅 Key ACA Open Enrollment Dates for 2026
Mark Your Calendar
Start Date: November 1, 2025
End Date: January 15, 2026 (for most states)
Note: Some state-based exchanges like California, New York, and Massachusetts may set their own deadlines. Check with your state's Marketplace.
Who Can Enroll During This Period?
Open Enrollment is for anyone who:
- Needs individual or family health insurance for 2026
- Wants to switch plans
- Is losing other coverage (like Medicaid or COBRA)
- Wants to apply for subsidies (premium tax credits and cost-sharing reductions)
Even if you've been denied in the past, rules and subsidy levels have changed—especially with the ongoing family glitch fix and extended premium support.
What You Need to Apply
Before you enroll, gather the following:
- Social Security Numbers for all applicants
- Projected household income for 2026
- Current health coverage info (if any)
- Employer insurance offer details (if applicable)
Using our ACA Subsidy Calculator for 2026 can help you understand your budget ahead of time.
Get Your 2026 Subsidy Estimate Now
See how much you could save on health insurance before Open Enrollment begins. Calculate your premium tax credit in under 2 minutes.
Try the Calculator →Common Mistakes to Avoid
- Missing the deadline – No coverage means no subsidy (unless you qualify for Special Enrollment).
- Guessing your income – Inaccurate estimates can lead to surprise tax bills. Review our 2026 income limits guide.
- Not comparing plans – Prices, networks, and benefits vary widely.
- Forgetting dental/vision – Often sold separately; some plans include basics for kids.
Can You Enroll Outside of This Period?
Yes, but only if you qualify for a Special Enrollment Period (SEP) due to life events like:
- Marriage or divorce
- Birth or adoption
- Loss of job-based insurance
- Move to a new state
Final Thoughts
ACA Open Enrollment is your chance to secure coverage and subsidies for the entire 2026 year. Mark your calendar, gather your documents, and use the tools available to make an informed decision.
Plan early, apply smart, and don't leave money on the table.
✅ Start with Our ACA Subsidy Calculator
Get an instant estimate of what you qualify for in 2026. No email or signup required.
Calculate Your Subsidy →