The key dates
- November 1, 2026: Open Enrollment opens
- December 15, 2026: enroll by this date for coverage that starts January 1
- January 15, 2027: last day to enroll; coverage starts February 1
These dates are for states that use HealthCare.gov, including Florida.
Even if you're happy with your plan, look again
Premiums, networks and drug lists can change every year. If you do nothing, you may be renewed into a plan that no longer fits. Emily reviews your current plan against new options before the deadline.
What to have ready
- Your ZIP code and everyone you want to cover
- An estimate of this year's household income
- Doctors, hospitals and prescriptions you want to keep
- Your current plan details, if you have one
Missed it?
Outside Open Enrollment you usually need a qualifying life event, like losing coverage, moving, marriage or a new baby. You generally have 60 days from the event to enroll.
