When is Open Enrollment for 2026?
Open Enrollment for 2026 Marketplace coverage on HealthCare.gov runs from November 1, 2025 through January 15, 2026 in most states, with coverage starting January 1, 2026 for enrollments completed by December 15, 2025, per HealthCare.gov (2026); state-based Marketplaces may set slightly different dates.
More on this topic: health insurance marketplace
What the government has said, on the record
Here's how a federal official described it, on the record:
“We want consumers to know that they can find and compare options, check if they qualify for lower costs, and get covered.”
— Marilyn Tavenner, Administrator, Centers for Medicare & Medicaid Services (CMS), CMS statement marking the opening of the Health Insurance Marketplace, 2013-10-01 (source)
Editor's note: From the CMS Administrator's statement at the first Marketplace open enrollment. Specific open-enrollment dates change every year — check HealthCare.gov for the current window.
Who said this
Marilyn Tavenner · Administrator, Centers for Medicare & Medicaid Services (CMS)
Risks & deadlines
- Enroll or change plans by December 15, 2025 for coverage starting January 1, 2026.
- Enroll by January 15, 2026 for coverage starting February 1, 2026.
Also asked as
- When does Open Enrollment start 2026?
- ACA Open Enrollment dates 2026
Sources
Last verified: 2026-07-19