Open Enrollment 2026
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Open enrollment for HealthCare.gov Marketplace plans is from November 1, 2025, to January 15, 2026, with coverage starting as early as January 1 for those enrolling by December 15. Medicare Open Enrollment runs from October 15 to December 7, 2025. If you miss these deadlines, you may still be able to get coverage through a Special Enrollment Period (SEP) if you have a qualifying life event. HealthCare.gov Open Enrollment (for Marketplace plans):
- When: November 1, 2025, to January 15, 2026.
- To have coverage start January 1: Enroll by December 15, 2025.
- To have coverage start February 1: Enroll between December 16, 2025, and January 15, 2026.
- Where to enroll: You can find plans and compare prices on HealthCare.gov.
Medicare Open Enrollment:
- When: October 15 to December 7, 2025.
- What it's for: Choosing a Medicare plan or making changes to your existing coverage.
If you miss Open Enrollment:
- Special Enrollment Period (SEP):You might still qualify for an SEP if you've experienced a qualifying life event, such as a loss of other coverage, marriage, having a baby, or moving to a new ZIP code.
- How to check:Visit HealthMarkets or contact a Florida Blue agent to see if your situation qualifies for an SEP, as deadlines can vary by state.