ACA Open Enrollment: Key Dates to Know

Start Here: Why Health Coverage Matters

Understanding and securing health insurance is essential for protecting your well-being and finances. The Affordable Care Act (ACA) Open Enrollment period is your annual opportunity to review and select a health plan that meets your needs. If insurance feels like a maze, don’t worry—knowing the key dates can simplify the process and help you secure or update your existing coverage.

Key ACA Open Enrollment Dates

Navigating open enrollment is straightforward when you're aware of these critical deadlines:

• November 1, 2025: The first day you can enroll, renew, or change a plan for 2026.
• December 15, 2025: Last day to enroll for coverage that starts January 1, 2026.
• January 15, 2026: Final day of open enrollment. If you sign up now, coverage starts February 1, 2026.

After January 15, modifications to your plan can only be made under a Special Enrollment Period, triggered by a life event such as marriage, birth, or losing other coverage.

Prepare Now: Reviewing and Comparing Plans

If you already have a plan, this is the right time to reevaluate it and explore new options. Consider your anticipated medical needs and budget for the upcoming year. The window is limited, so preparation is key in preventing any coverage gaps.

Secure Peace of Mind

Taking the time to make informed health insurance choices now will bring peace of mind throughout the year. If you feel overwhelmed, don’t hesitate to reach out for help or personalized assistance. Planning ahead can ensure you are covered when you need it most.