ACA Open Enrollment: Key Dates You Need to Know

Health coverage is more important than ever, and the start of the Affordable Care Act (ACA) open enrollment is a pivotal moment to secure or update your plan. Navigating insurance can be overwhelming, but understanding the key dates of open enrollment can simplify the process and help you to avoid missing out on essential coverage.

Key ACA Open Enrollment Dates

• November 1, 2025: This is the first day you can enroll, renew, or change your insurance plan for the 2026 coverage year. Mark your calendar and consider starting the process early to ensure you have ample time to make the best decision for your needs.
• December 15, 2025: This is the deadline for coverage that begins on January 1, 2026. Enroll by this date if you want your new coverage to kick in with the start of the new year.
• January 15, 2026: The final day of open enrollment. Any plans selected by this date will start on February 1, 2026. After January 15, you will only be able to make changes if you qualify for a Special Enrollment Period.

Evaluating your current plan could reveal changes in premiums, coverage, or out-of-pocket costs that might affect your medical needs and budget for the year ahead. If you don't have coverage yet, this is your chance to find an option that works for you.

The window for open enrollment is limited, so preparation is key to avoid any gaps in your coverage. Making informed choices now means peace of mind later, knowing that you have taken the necessary steps to secure your health coverage for the future.

If you need personalized assistance or have any queries about your options, don't hesitate to reach out. We're here to help you navigate the open enrollment period with ease and confidence.