Open Enrollment begins November 1, 2025

Enroll in coverage for 2026 during Open Enrollment from November 1, 2025 - January 15, 2026. Enroll by December 15, 2025 for coverage that starts January 1, 2026. January 15: Last day to enroll or change plans to start on February 1.  After that, you can enroll or change plans only if you have a life-changing event, like divorce or having a baby. Such events qualify you for a Special Enrollment Period.