Open Enrollment Deadline Is Almost Here — What You Need to Know Before December 15

Open Enrollment for 2026 health insurance coverage through HealthCare.gov is quickly coming to a close. If you want your coverage to start January 1, your application must be completed by December 15 at 11:59 PM.
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After this deadline, applications submitted between December 16 and January 15 will not begin until February 1, which could leave you with an unwanted coverage gap.

​Why This Deadline Matters

Why This Deadline MattersMany consumers assume they can “fix it later,” but once the deadline passes:

• Your January coverage option may be gone
• Your plan could be auto-assigned by the Marketplace
• You may miss out on the best subsidy or tax credit available to you
  
  

Taking a few minutes now to review your options can help ensure:
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• Your doctors and prescriptions are covered
• Your monthly premium is as low as possible
• Your plan actually fits your healthcare needs for 2026

​Final Tip

Even if you had coverage last year, prices, networks, and subsidies change every year. Reviewing your plan before the deadline can save you money and frustration later.

If you still need to enroll or want a second opinion before Open Enrollment closes, now is the time to act.