Mark Your Calendar – Don’t Miss These Critical Deadlines

Open Enrollment starts November 1, 2025 and runs through January 15, 2026 for most states. Here’s what you need to know:

• November 1, 2025: First day to enroll, renew, or change health insurance plans
• December 15, 2025: Deadline to enroll for coverage starting January 1, 2026
• January 1, 2026: Coverage begins for those who enrolled by December 15
• January 15, 2026: Final day of Open Enrollment for 2026 coverage

After January 15, you can only enroll if you qualify for a Special Enrollment Period due to a qualifying life event. 

Qualifying events include:

• Having or adopting a child or gaining a dependent through court-order
• The passing of a policy holder
• Getting married or declaring a civil union
• Separating or divorcing your spouse
• Moving to a new area with different plans or network
• Moving to or from a place you attend school, live or work as a seasonal worker or live in for transitional or shelter housing
• Turning 26 and losing coverage under your family member’s policy
• Losing or getting denied for Medicaid or the Children’s Health Insurance Program coverage