Open Enrollment 2026: Key Dates and Deadlines

Open enrollment is the period each year when you can sign up for, change or renew a health insurance plan through the Affordable Care Act marketplace. For 2026 coverage, open enrollment runs from **November 1, 2025 through January 15, 2026** in most states. If you want your coverage to start on January 1, 2026, you must enroll by **December 15, 2025**. Applications submitted after December 15 will generally take effect in February or March, depending on when you enroll.

A handful of state‑run exchanges have slightly different schedules. California and the District of Columbia typically keep enrollment open through January 31, while Massachusetts extends its deadline to January 23. Idaho has an earlier window, from October 15 through December 15. But for the states Fortura serves—Ohio, Indiana, Texas and Florida—the standard November 1 to January 15 timeframe applies.

Missing the open enrollment window means you generally can’t sign up for ACA coverage until the following fall, unless you qualify for a Special Enrollment Period due to a qualifying life event such as losing other coverage, moving, marriage or birth of a child. To ensure you get the coverage you need and avoid any gaps, it’s a good idea to explore your options early and submit your application before the December 15 deadline. The team at Fortura Insurance Agency can help you compare plans, determine your subsidy eligibility and guide you through the enrollment process.