The Brief

The Health Insurance Marketplace open enrollment period for the Affordable Care Act (ACA) runs from Nov. 1 to Jan. 15 in most states.

For coverage to start on Jan. 1, shoppers will have to make their choice by Dec. 15. Those who enroll after Dec. 15 will have coverage starting Feb. 1, 2026.

More than 24 million people enrolled in individual plans for 2025.

The Health Insurance Marketplace open enrollment period for Obamacare, also known as the Affordable Care Act (ACA), for the 2026 plan year begins today.

People looking to enroll in coverage will have until Jan. 15 in most states to find a plan for 2026. To have coverage start on Jan. 1, shoppers will have to make their choice by Dec. 15. Shoppers have until Jan. 15, 2026 to enroll with coverage starting on Feb. 1, 2026.

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