Health coverage is essential for ensuring access to necessary medical care and financial protection. The Affordable Care Act (ACA) Open Enrollment period is a crucial opportunity for individuals and families to secure, update, or change their health insurance plans. We understand that navigating insurance options can be overwhelming, but grasping the key dates can help to streamline the process and ensure that you have the coverage you need.

Start Preparing Now

It’s important to start preparing for open enrollment as soon as possible to avoid missing out on crucial coverage deadlines. Here are the key dates you need to know:

• November 1, 2025: First day to enroll in, renew, or change a 2026 health plan.
• December 15, 2025: The deadline for coverage that starts on January 1, 2026.
• January 15, 2026: Final day of open enrollment. Plans selected now will begin on February 1, 2026.
• After January 15, changes can only be made if you qualify for a Special Enrollment Period (e.g., major life events such as marriage, birth, or loss of coverage).

Review and Compare Your Options

If you already have a health plan, take this limited window as an opportunity to review your current situation and compare different plans. Factor in potential medical needs and your budget for the upcoming year. Making informed choices now can save you from coverage gaps and provide peace of mind throughout the year.

If you find yourself needing assistance, don’t hesitate to reach out for help. Personalized guidance can make the process smoother and ensure that you make the best choice for your health coverage needs.