It’s that time again — ACA Marketplace Open Enrollment is here!
If you buy your health insurance through the Marketplace, this is your once-a-year window to review your coverage, explore new plans, and make sure your health insurance fits your current needs and budget.
From November 1, 2025 through January 15, 2026, you can enroll in, renew, or change your Marketplace plan for 2026.
Important: If you want your coverage to begin on January 1, 2026, you must enroll by December 15, 2025.
Why Open Enrollment matters
Even if you liked your plan last year, now is the time to double-check the details. Premiums, provider networks, and covered prescriptions can all change annually. A quick review could save you money — or prevent an unpleasant surprise in January.
Many individuals and families also qualify for premium tax credits that lower monthly costs. Income, household size, and location can all impact your eligibility. The Marketplace will automatically re-evaluate your subsidy, but reviewing it with a licensed agent ensures you’re not leaving savings on the table.
Who can apply
To qualify for Marketplace coverage, you must:
✔️ Live in the U.S.
✔️ Be a U.S. citizen or lawfully present immigrant
✔️ Not be incarcerated
Even if you have access to employer coverage, you may still be able to compare Marketplace options — especially if your employer’s plan isn’t affordable or doesn’t meet minimum coverage standards.
Key dates for 2026 coverage
| Date | Action |
| November 1, 2025 | Open Enrollment begins |
| December 15, 2025 | Deadline for January 1 coverage |
| January 15, 2026 | Final day to enroll (coverage begins February 1) |
Common mistakes to avoid
🚫 Waiting too long. The closer it gets to December 15, the fewer appointment slots are available.
🚫 Assuming your plan didn’t change. Networks and drug lists can shift — always review your renewal notice.
🚫 Guessing on income. Estimating too low can mean paying back part of your subsidy at tax time.
🚫 Missing a Special Enrollment Period (SEP). If you’ve had a life change — marriage, new baby, job loss, or move — you may qualify to update coverage outside of Open Enrollment.
How Oasis Insurance Group can help
At Oasis, we simplify the process from start to finish.
Our licensed agents can:
- Compare plans and premiums side by side
- Estimate your subsidy savings
- Review plan changes from your current carrier
- Assist you in completing your Marketplace application start to finish
You don’t have to navigate the process alone — we’ll guide you through every step to help you find a plan that fits both your health needs and your budget.
Take the next step today
Don’t wait until the deadline rush!
Contact Oasis Insurance Group today to schedule your free consultation.
📧 Email: office@oasisinsurancegroup.com
🌐 Visit: www.oasisinsurancegroup.com
📅 Book your appointment early — spots fill fast as deadlines approach.
Stay covered. Stay confident.
Open Enrollment only happens once a year, but the peace of mind it brings lasts all year long. Let Oasis Insurance Group be your trusted guide in finding affordable, reliable health coverage that works for you.