FINAL DAY: Open Enrollment Ends Tonight | Act Now
Open Enrollment ends tonight at 11:59 PM. If you don't enroll or update your plan by midnight, you're locked out until next year. Don't let auto-enrollment cost you thousands—compare all options before the deadline.
Open Enrollment
Final Day of Open Enrollment: What to Do Before Midnight
What happens if you miss the deadline
No coverage
- No health insurance for the year
- Pay full price for all medical care
- Can't enroll again until next Open Enrollment
- No protection from surprise medical bills
The auto-enrollment trap
- Stuck in your current plan at higher new-year rates
- Miss cheaper plan options
- Your doctors may no longer be in-network
- Could overpay thousands annually
If you don't have coverage: do this now
- Contact us immediately. We'll pull every available plan in your area, calculate your tax credit if you qualify, and show you the options side-by-side in minutes.
- Compare plans fast. We focus on premium, deductible, out-of-pocket maximum, and whether your doctors are in-network. Having coverage beats having none — we'll help you decide quickly.
- Enroll before midnight. We handle the enrollment and make sure it's completed before 11:59 PM. You can change plans next year, but you can't go back and enroll once the deadline passes.
If you have Marketplace coverage: review before auto-enrollment locks you in
- Review your current plan. Plans change every year — networks shift, premiums adjust, benefits get redesigned. We'll check whether yours is still the best option.
- Update your income for accurate subsidies. If your income changed, this recalculates your tax credit and your true monthly cost. We'll update it and compare all available plans at your actual pricing.
- Compare on total annual cost — not just premium. We factor deductible, copays, out-of-pocket max, and expected usage, and verify your doctors and prescriptions are still covered.
- Actively select your plan. Auto-enrollment is built for convenience, not savings. Choosing on purpose can save you hundreds or thousands.
If you're paying full price: consider a private PPO
If you don't qualify for subsidies or your income is above 400% of the federal poverty level, you're not required to use a Marketplace plan.
- Private PPOs often cost less for those paying full premium — better value with broader networks
- Year-round enrollment — private plans aren't limited to the Open Enrollment window
- Nationwide networks — coast-to-coast access, no HMO restrictions
- Direct specialist access — no primary-care gatekeepers
If Marketplace premiums jumped and you're getting minimal or no tax credit, we'll show you private options before the deadline.
Why the deadline matters
Once Open Enrollment closes at 11:59 PM, you're locked out until the next window unless you have a qualifying life event — losing other coverage, getting married, or having a baby.
Medical costs don't care that you missed the deadline. An ER visit can cost thousands; prescriptions, appointments, specialist visits, and lab work all come out of pocket without insurance.
Don't wait — let's get you covered
We'll compare your options and walk you through enrollment in minutes, before the deadline.
Get Free Quotes Now Book a CallFrequently asked questions
What if I miss the deadline?
You're locked out until the next Open Enrollment unless you qualify for a Special Enrollment Period — losing coverage, marriage, birth, adoption, or a move to a new state.
Can you still help me enroll today?
Yes — contact us immediately. We'll walk you through your options and complete enrollment in minutes before the deadline.
Are private PPOs cheaper than Marketplace plans?
If you don't qualify for subsidies, private PPOs can offer lower total costs with broader networks — especially for healthy applicants. We compare both for you.
For education only; eligibility and benefits vary by carrier and state. Always review official plan documents. RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130). We do not offer Medicare. Call (561) 806-9913.
Extended Open Enrollment Information
Open Enrollment has been extended through January 15, 2026. Don't miss your last chance to enroll in Marketplace or Private PPO health insurance for 2026. Get free quotes from licensed advisors today.Extended Open Enrollment: Don't Miss the January 15th Deadline
Good news! You still have time to get health insurance for 2026. Open Enrollment has been extended through January 15, 2026, giving you 30 extra days to compare plans and enroll with confidence.
⚠️ Important: If you missed the December 15th deadline for January 1st coverage, you can still enroll by January 15th for coverage starting February 1, 2026.
Key Enrollment Dates
The federal Open Enrollment period for 2026 began November 1, 2025 and closes January 15, 2026. This extended timeline gives you more time to:
- Compare Marketplace and Private PPO plan options
- Verify your doctors and prescriptions are covered
- Calculate your subsidy eligibility
- Enroll with a licensed advisor at no cost to you
What's Available for 2026?
There are several health coverage options available during Open Enrollment:
- Marketplace Plans (Healthcare.gov): ACA-compliant plans with potential income-based subsidies
- Private PPO Plans: Off-exchange underwritten options with broader networks, available only through licensed agents
- Ancillary Coverage: Vision, dental, accident, critical illness, and short-term disability
Why Work With a Licensed Advisor?
Health coverage is too important to navigate alone. Working with a licensed health insurance advisor ensures you:
- See all available options — both on and off the marketplace
- Get accurate subsidy calculations based on your income
- Have your doctors and prescriptions verified before enrollment
- Receive year-round support for claims, renewals, and coverage changes
Best of all, there's no cost to you. Licensed agents are compensated by insurance carriers, not by clients.
Ready to Compare Your Options?
Don't wait until the last day — get your free quote today
What Happens After January 15th?
After Open Enrollment closes, you'll need a Qualifying Life Event to enroll in Marketplace plans. Common qualifying events include:
- Loss of employer-sponsored coverage
- Marriage or divorce
- Birth or adoption of a child
- Permanent move to a new state or county
- Loss of Medicaid or CHIP coverage
Important note: Private PPO plans may be available year-round depending on your health status and location. Contact us to explore your options even after the Open Enrollment deadline.
Need help before the deadline? Call us at 561-806-9913 or get your free quote online. We're licensed in 32 states and ready to help you find the right coverage.
