IMPORTANT OPEN-ENROLLMENT INFO AND DEADLINES

Enrollment Help • Open Enrollment 2026

Written by Robert Adams

Important Open Enrollment Info & Deadlines

Open Enrollment is your once-a-year chance to update, compare, or switch your health insurance. Deadlines, changes in income, or network shifts can impact your premium and benefits. Here is what you need to know to avoid unexpected costs or gaps in coverage.

Key Deadlines for Open Enrollment 2026

Open Enrollment Start

• Starts November 1st
• Best time to compare plans before rates increase

First Major Deadline

• December 15th
• Last day for January 1st start

Final Open Enrollment Deadline

• January 15th
• Last chance to change or enroll until 2027 (unless SEP applies)

Why These Dates Matter

• Plans and premiums change every year.
• Your income may push you into a new tax-credit bracket.
• Networks, deductibles, and prescriptions may shift.
• If you do nothing, you may auto-renew into a more expensive or worse plan.

Marketplace vs Private PPO: What to Review

Marketplace Changes (ACA)

• New premiums updated yearly
• Tax-credit amounts may shift
• Many plans are HMO/EPO only
• Doctor networks change frequently

Private PPO Updates

• Nationwide PPO access
• No referrals required
• Premiums based on age, ZIP, and network
• Great for frequent travelers or specialists

Want the best plan for your ZIP?

We’ll verify your doctors, prescriptions, and compare Marketplace vs Private PPO options.

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FAQ

Do I have to update my income each year?

Yes. Incorrect income can cause large tax-credit paybacks at tax time.

Can I change plans after December 15th?

Yes — you have until January 15th. But changes after 12/15 start February 1st.

Can you confirm my doctors?

Absolutely. We verify every doctor, hospital, specialist, and medication before you enroll.