Affordable Care Act Open Enrollment Begins November 1
It doesn’t have to be scary.
We can help.
What is Open Enrollment?
Major Medical Open Enrollment is traditionally the annual period during which anyone may enroll in a new major medical health insurance plan, or may make changes to their current coverage/plan. Since the implementation of the Affordable Care Act (ACA), no one can be refused coverage for having pre-existing conditions.
Please note: Members living in these states — CA, CO, CT, DC, ID, KY, ME, MD, MN, NV, NJ, NM, OR, PA, VT, VA, and WA — can find their ACA exchange here, while others can compare plans and enroll today.
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Need help? Call us at 877.267.3752
Timeline & Tips
Open Enrollment for the 2026 plan year begins on November 1, 2025.
- Now is the time to review your current health insurance plan(s) or sign up for a new plan.
- Our licensed agents are here to help toll free at 877.267.3752 Monday through Friday, 7:00 AM to 5:00 PM CST.
- Items to consider when you are thinking about any possible changes are the Rxs you currently use, ages of family members you wish to cover, chronic conditions, and the ways you use healthcare providers today
Where Do You Live?
Understanding your health insurance options can be frustrating. There are multiple exchanges and marketplaces to search for plans. You may also qualify for state and federal subsidies. In this guide, we explain where you should begin looking for health insurance based on the most common circumstances.
AK, AL, AZ, AR, DE , FL, GA, HI, IL, IN, IA, KS, LA, MS, MO, MT, NE, NH, NC, ND, OH, OK, OR, SC, SD, TN, TX, UT, VA, WV, WI, WY
CA, CO, CT, DC, ID, KY, MA, ME, MD, MN, NV, NJ, NY, NM, PA, RI, VT, or WA
State Health Care Exchanges
Persons living in CA, CO, CT, DC, ID, KY, MA, ME, MD, MN, NV, NJ, NY, NM, PA, RI, VT, or WA
Individual State Health Exchanges
These states require individuals to enroll through their state exchange.
You’ll be able to check for subsidies including Medicaid and the Children’s Health Insurance Program (CHIP). Marketplace insurance plans with premium tax credits are sometimes known as subsidized coverage too.
- In states that have expanded Medicaid coverage, your household income must be below 138% of the federal poverty level (FPL) to qualify.
- In all states, your household income must be between 100% and 400% FPL to qualify for a premium tax credit that can lower your insurance costs.
- If your income is above 400% FPL, you may still qualify for savings on a 2025 Marketplace health insurance plan.
Where To Look
California: Covered California
Colorado: Connect for Health Colorado
Connecticut: Access Health CT
District of Columbia: DC Health Link
Idaho: Your Health Idaho
Kentucky: Kynect Website
Maine: CoverME Website
Maryland: Maryland Health Connection
Massachusetts: Massachusetts Health Connector
Minnesota: MNsure Website
Nevada: Nevada Health Link
New Jersey: New Jersey Health Link
New Mexico: BeWellNM Website
New York: New York State of Health
Pennsylvania: Pennie Health Link
Rhode Island: HealthSource RI
Vermont: Vermont Health Connect
Washington: Washington Health Plan Finder
About SASid
SASid insurance development’s mission is to make health insurance simple to understand. Recognized by the Department of Health and Human Services, we’ve helped hundreds of thousands of people understand and access Affordable Care Act compliant insurance.
