The open enrollment period for health insurance coverage for the year 2025 will start on November 1, 2025, and run through January 15, 2026, in most states for HealthCare.gov marketplace plans. During this window, individuals can enroll in, renew, or change their health insurance plans. Key deadlines for marketplace coverage are:
- November 1, 2025: Open enrollment begins
- December 15, 2025: Last day to enroll or change coverage for plans starting January 1, 2026
- January 15, 2026: Final day to enroll or change coverage for plans starting February 1, 2026
Coverage start dates depend on when you enroll. Those enrolling by December 15 will have coverage begin on January 1, 2026, while those enrolling between December 16 and January 15 will have coverage begin February 1, 2026. Some states have slightly different open enrollment periods, so it is important to check state-specific dates if you are outside the federal marketplace.
