Open Enrollment for 2026 Marketplace coverage runs 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 activates after you pay your first month’s premium.)
What to have ready before you apply
- Household details for everyone applying (names, birthdates, contact info).
- Your estimated 2026 household income (used to assess potential savings).
- Your doctors and preferred pharmacies, a list of your regular prescriptions.
- Any notices you received about your current plan for 2026.
Applications are completed on HealthCare.gov. If the Marketplace later asks you to verify information, respond by the deadline to keep coverage. Need help? Contact us to speak with an agent who can walk you through the process.
How to compare plans (quick guide)
- Metal levels (Bronze/Silver/Gold/Platinum) show how costs are split over a year—they don’t rate care quality.
- Use each plan’s provider directory to confirm your doctors and hospitals are in-network for 2026.
- Check the plan’s drug list (formulary) for your medications and pharmacy options.
- Review estimated premium, deductible, copays/coinsurance, and out-of-pocket maximum together.
If your current plan won’t continue in 2026
Some members receive notices that a current plan won’t continue due to product or service-area changes. Use Open Enrollment to select a 2026 option and help avoid a coverage gap.
We can explain how networks, formularies, and typical cost trade-offs compare so you understand your choices before you apply.
Bay Insurance is here to guide you through the process
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.
When you’re ready, start your application on HealthCare.gov. Prefer to review choices first? Contact Bay Insurance to speak with a licensed representative for general guidance on your options and next steps.
Talk with a Licensed Representative* 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.