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.
FINAL DAY: Open Enrollment Ends Tonight at Midnight
Fast take: Open Enrollment for 2026 health insurance ends tonight at 11:59 PM. If you don't enroll or update your plan by midnight, you're locked out until next year—unless you qualify for a Special Enrollment Period. Don't let auto-enrollment cost you thousands.
⏰ DEADLINE: TONIGHT AT MIDNIGHT
We'll compare your options, verify networks, and walk you through enrollment in minutes—before time runs out.
Get Free Quotes NOW Book Emergency CallWhat happens if you miss tonight's deadline
No coverage
✗ No health insurance for 2026
✗ Pay full price for all medical care
✗ Can't enroll again until November 2026
✗ No protection from surprise medical bills
Auto-enrollment trap
✗ Stuck in current plan at higher 2026 rates
✗ Miss cheaper plan options
✗ 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 all available plans in your area, calculate your tax credit if you qualify, and show you every option side-by-side in minutes.
Compare plans fast
We'll focus on monthly premium, deductible, out-of-pocket maximum, and whether your doctors are in-network. Having coverage is better than having no coverage—we'll help you decide quickly.
Enroll before midnight
We'll handle the enrollment process and make sure everything's completed before 11:59 PM tonight. You can always change plans next year, but you can't go back and enroll today once the deadline passes.
If you have Marketplace coverage: Review before auto-enrollment locks you in
We'll review your current plan
Plans change every year—networks shift, premiums adjust, benefits get redesigned. We'll check if your current plan is still the best option or if better alternatives exist.
Update your income for accurate subsidies
If your income changed from last year, this recalculates your tax credit and shows your true monthly cost. We'll update this for you and compare all available plans based on your actual 2026 pricing.
Compare every available plan
We'll look at total annual cost—not just premium. We factor in deductible, copays, out-of-pocket maximum, and expected usage based on your health needs. We also verify your doctors and prescriptions are still covered.
Actively select your plan
Don't rely on auto-enrollment. It's designed for convenience, not savings. We'll help you select the best plan and can save you hundreds or thousands of dollars in 2026.
If you're paying full price: Consider private health insurance
If you don't qualify for subsidies or your income is above 400% of the federal poverty level, you're not required to use Marketplace plans.
- Private PPOs often cost less: For those paying full premium, private plans frequently offer better value with broader networks
- Year-round enrollment: Private plans aren't limited to Open Enrollment periods for ACA-compliant coverage
- Nationwide networks: Many private PPOs offer coast-to-coast access without referrals or HMO restrictions
- Direct specialist access: No primary care gatekeepers—see specialists when you need them
If Marketplace premiums jumped significantly and you're receiving minimal or no tax credits, we'll show you private options before midnight.
Why tonight's deadline matters
Open Enrollment ends at 11:59 PM tonight. Not tomorrow morning. Not next week. Tonight.
Once the deadline passes, you're locked out until November 2026 unless you experience a qualifying life event like losing other coverage, getting married, or having a baby.
Medical costs don't care if you missed the deadline. Emergency room visits can cost thousands. Routine prescriptions add up fast. Doctor appointments, specialist visits, lab work—all of it comes out of your pocket without insurance.
Stop reading. Call us now.
We'll compare your options and walk you through enrollment in minutes—before midnight tonight.
Get Free Quotes NOW Book Emergency CallFAQ
What if I miss tonight's deadline?
You're locked out until November 2026 Open Enrollment unless you qualify for a Special Enrollment Period due to losing coverage, marriage, birth, adoption, or moving to a new state.
Can you still help me enroll tonight?
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'll compare both options for you.
For education only; eligibility and benefits vary by carrier and state. Always review official plan documents.
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.