The health insurance open enrollment period for 2025 coverage generally begins on November 1, 2025, and ends on January 15, 2026. During this time, individuals can enroll in a new health insurance plan, renew an existing plan, or make changes to their coverage through the Health Insurance Marketplace or other plans. Key dates for the 2025-2026 open enrollment period are:
- November 1, 2025: Open enrollment begins
- December 15, 2025: Last day to enroll or change coverage for plans effective January 1, 2026
- January 1, 2026: Coverage starts for those enrolled by December 15, 2025
- January 15, 2026: Final day to enroll or change coverage for plans starting February 1, 2026
- February 1, 2026: Coverage begins for enrollments made between December 16, 2025, and January 15, 2026
Note that some states have their own marketplace and may have slightly different open enrollment deadlines, sometimes extending beyond the federal dates. Employer-sponsored health insurance open enrollment dates can vary and are set by employers. In summary, the main federal open enrollment window for 2025 health insurance is from November 1, 2025, to January 15, 2026.
