ACA Health Insurance
When is ACA open enrollment in 2026?
ACA open enrollment for 2026 coverage runs from November 1, 2025 to January 15, 2026. Coverage starts January 1 for enrollments completed by December 15. Coverage starts February 1 for enrollments completed between December 16 and January 15. Special enrollment periods are available for qualifying life events.
Key Points
- 2026 ACA open enrollment: November 1, 2025 - January 15, 2026
- Enroll by December 15: coverage starts January 1
- Enroll December 16 - January 15: coverage starts February 1
- Special enrollment periods: available for qualifying life events
- An independent agent can help you compare ACA plans during open enrollment