ACA Open Enrollment is Now Open

It’s the annual window to choose 2026 Marketplace coverage: November 1, 2025 – January 15, 2026.

Enroll by December 15, 2025, for coverage starting January 1, 2026; applications submitted December 16, 2025 – January 15, 2026 generally start February 1, 2026. Coverage begins after you pay your first premium to the insurance company.

As a local agency for Florida Blue (an Independent Licensee of the Blue Cross and Blue Shield Association), we can outline Florida Blue options offered through the Marketplace and answer general questions about plan structures and estimated costs.

Prefer a walkthrough first? Contact us for local guidance.

Affordable Care Act (ACA): How to Apply and What You’ll Need

Four ways to apply (pick what works for you)

• Online (fastest): Create or log in to your account and apply on the Health Insurance Marketplace® website.
• By phone: Marketplace Call Center 1-800-318-2596 (TTY 1-855-889-4325).
• In person: Local, in-person help is available; we provide general guidance and can help you prepare to apply.
• By mail: Print and mail a paper application if you prefer.

Already have a Marketplace plan?

Update & renew: Starting November 1, review your 2026 details (income, household, doctors, prescriptions), submit any updates, then review your eligibility notice. Pick a plan for 2026 and pay your first premium to activate coverage.

How the process works (step by step)

• Apply on HealthCare.gov (or by phone/mail/in-person).
• Review your eligibility notice—it explains any savings and next steps.
• Compare plans side-by-side (check provider directories and drug lists).
• Select a plan, then pay your first premium to the insurer to start coverage.
• If asked for verification documents, submit them by the deadline to keep coverage.

If your current plan won’t continue in 2026

Carriers sometimes discontinue products or adjust service areas. Use Open Enrollment to pick a 2026 option and help avoid a gap. We can explain how networks, formularies, and typical cost trade-offs compare so you understand your choices before you apply.

Apply when you’re ready

Applications are completed on HealthCare.gov. If you miss January 15, you’ll usually need a Special Enrollment Period (qualifying life event). You can apply for Medicaid or CHIP year-round if eligible.

We know this can feel overwhelming—have questions before you apply? Speak with a licensed representative for general guidance.

* We provide general information to help consumers understand ACA Marketplace coverage. Applications and enrollments are completed through HealthCare.gov. We are not the government and do not represent any government agency. Plan availability and savings depend on household details, eligibility, and location. If you have Medicare, you’re not eligible to enroll in Marketplace medical or dental plans.