The full 2026 enrollment calendar, in one place
No more guessing deadlines. See every open enrollment window for ACA, Medicare, and employer plans, plus what you need to do to enroll on time.
ACA, Medicare, and employer windows
Three distinct enrollment calendars run each year. Here's how they line up and which one applies to you.
ACA Marketplace
Open enrollment runs Nov 1 to Jan 15 for coverage starting the following year.
Medicare AEP
Annual Election Period is Oct 15 to Dec 7. Changes take effect January 1.
Group benefits
Employer plans typically open each fall, but exact dates are set by each company.
Which applies?
Not sure which window fits? A quick call with a licensed agent sorts it out.
60 days to enroll after life changes
Life changes like marriage, a new baby, or losing coverage open a special 60-day window to enroll in ACA plans outside Open Enrollment.
Losing job coverage
Lost employer insurance? That triggers a SEP so you can switch to an ACA plan.
Marriage or new baby
A wedding or a new family member opens a window to update your household coverage.
Moving to a new county
Relocating to a new service area is a qualifying event that resets your enrollment window.
Changes in subsidy eligibility
A shift in income can affect your premium tax credits, and a SEP lets you adjust your plan.
Still not sure about your deadline?
Get clear answers on enrollment deadlines. Still unsure? Contact us anytime.
Most people find out they missed enrollment when it's too late. You don't have to be one of them.
Get a free review of your current coverage and enrollment reminders so you never miss a deadline again.