Open Enrollment (ACA)
Annual window to enroll in or change ACA marketplace plans — Nov 1 to Jan 15 federally.
Full explanation
ACA Open Enrollment is the annual window when anyone can enroll in or change their ACA marketplace plan without needing a Qualifying Life Event. Federal Open Enrollment for plan-year 2026 runs November 1, 2025 through January 15, 2026. Enroll by December 15 for January 1 coverage; later enrollment delays start date. Some state-run marketplaces (CA, NY, MA) offer extended Open Enrollment windows. Outside Open Enrollment, you need a Special Enrollment Period to enroll.
📎 Primary source: official source
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