The open enrollment period for health insurance coverage in 2025 generally begins on November 1, 2025, and runs through January 15, 2026, in most states. During this time, individuals can enroll in or make changes to their health insurance plans. Key dates to note include:
- November 1, 2025: Open enrollment begins.
- December 15, 2025: Last day to enroll or change plans for coverage starting January 1, 2026.
- January 15, 2026: Final day to enroll or change plans for coverage beginning February 1, 2026.
- February 1, 2026: Coverage begins for those who enrolled between December 16, 2025, and January 15, 2026.
Some states with their own exchanges may have slightly different deadlines. Also, employer-sponsored health insurance open enrollment dates may vary and are set by employers. Starting in the fall of 2026, the open enrollment period is expected to shorten, ending on December 15 in most states, but the 2025 open enrollment period will follow the longer schedule mentioned above.
