Rising premiums, changes to federal tax credits, and new marketplace rules are shaping what health coverage will look like in 2026. The Marketplace Open Enrollment Period, from November 1, 2025, through January 15, 2026, gives individuals and families the opportunity to review their current plans, explore new options, and choose coverage that meets their needs and budget.
Even if you already have marketplace coverage, it is important to update your information and compare plans. Many consumers may face higher costs this year, but if Congress extends the enhanced premium tax credits, monthly premiums could decrease significantly. Most marketplace enrollees will still qualify for some level of tax credit assistance, and those with moderate incomes may be eligible for additional savings, called cost-sharing reductions, which can lower deductibles and copays on silver-level plans.
If you do not have insurance through an employer, Medicaid, or Medicare, you can apply for a marketplace plan during open enrollment. Marketplace plans guarantee essential protections, including preventive services at no cost, coverage for pre-existing conditions, and limits on annual out-of-pocket expenses.
Consumers should be aware that under the Marketplace Integrity and Affordability Final Rule, beginning in 2026, marketplaces will no longer be required to include gender-affirming care as an essential health benefit. However, some insurers may continue to offer this coverage voluntarily. Navigators and assisters can help you identify plans that fit your individual needs.
Be cautious of “junk insurance” plans sold outside the official marketplace, such as association health plans, Farm Bureau plans, health sharing ministries, and short-term or limited-duration coverage. These plans often exclude key benefits like prescription drugs, mental health care, and maternity services, and may leave you with large out-of-pocket costs.
Free, local help is available to guide you through the enrollment process. To find certified navigators or assisters in your area, visit healthcare.gov/find-local-help.