If you’re asking when is open enrollment 2026 for the Affordable Care Act, the answer is simple: November 1, 2025, through January 15, 2026. This is your window to get Obamacare health insurance for our neighbors living anywhere between the Space Coast and Broward County.
Whether you’re applying for the first time or switching plans, this is the only time of year to do it unless you qualify for a Special Enrollment Period
According to the Kaiser Family Foundation (KFF), the ACA helped lower the uninsured rate for nonelderly adults from 20.4% in 2013 to 10.8% in 2023. That’s a major shift in access to care. These numbers show just how important it is to understand the enrollment window and act on time.
At Absolute Best Insurance, we’ve been helping people across South Florida get the coverage they need for over 20 years. Our licensed agents specialize in ACA health insurance plans, Medicare, dental, life insurance, and more. We work closely with clients in Tamarac, Deerfield Beach, Greenacres, Port St. Lucie, Vero Beach, and Micco (Sebastian) to find personalized coverage at no additional cost to you.
Important Open Enrollment 2026 Dates to Know |
Here are the key deadlines for ACA Open Enrollment for the 2026 plan year:
- November 1, 2025: Open Enrollment begins
- December 15, 2025: Last day to enroll for coverage starting January 1
- January 1, 2026: Coverage starts for those enrolled by December 15 and who pay their first premium
- January 15, 2026: Final deadline to enroll or change plans
- February 1, 2026: Coverage begins for those who apply between December 16 and January 15
Need help keeping track of these deadlines? That’s what we’re here for. Our team of dedicated agents will make sure you don’t miss the open enrollment window and will help you get the right plan before time runs out.
Even better? Our services won’t cost you a dime!
What’s New for Affordable Care Act Coverage in 2026?
- For 2026, ACA plan premiums are expected to increase by 6% to 10% across the Marketplace. This is due to rising medical costs and changes in provider pricing. While some of the pandemic-era pricing adjustments are being phased out, most plans will still include the same core benefits, like preventive care, prescription coverage, and mental health services.
- Another factor to watch is the potential expiration of enhanced subsidies that were expanded under the American Rescue Plan. These subsidies are currently helping many Floridians lower their monthly premiums. Without Congressional action, some enrollees could see their costs rise substantially. For example, according to KFF, a 60-year-old earning $35,000 could face a monthly premium increase of over $400 if the enhanced subsidies are not renewed.
- We’ll be tracking this closely, and our agents will help you understand your options before you enroll. HMO and PPO plans are still available across Florida, and we’ll help you find one that fits your budget.
How We Help You Compare ACA Plans… For Free!
Enrolling through Absolute Best Insurance is completely free. There are no hidden fees or markups. Our agents walk you through the process, explain your options, and help you compare plans based on your budget and healthcare needs.
We help you understand how income affects your premium and what financial assistance may apply. Whether you’re renewing an existing plan or applying for the first time, we make sure you get it done right the first time.
You can reach us online, over the phone, or visit one of our local offices. We even make house calls! We help clients from Broward County to the Space Coast, and we’re happy to meet in person or virtually.
Local Support in Your Area
Our team lives and works in your community. That means we understand the plans and providers in your area:
- In Tamarac, we serve clients near University Hospital and along Commercial Blvd.
- In Deerfield Beach, we work with families close to Quiet Waters Park and near Boca Raton Regional Hospital.
- In Greenacres, we support residents around Jog Road and Wellington Regional Medical Center.
- In Port St. Lucie, we help people in neighborhoods like Tradition, Torino, and near St. Lucie Medical Center.
- In Vero Beach, we serve clients near Indian River Medical Center and the Gifford area.
- In Micco (Sebastian), our team helps neighbors along U.S. 1, near Sebastian River Medical Center and Barefoot Bay.
“From Broward to the Space Coast, our team knows the local healthcare landscape and we help you make the most of it,” says Stacy Murphy.
Don’t Miss Your Chance to Enroll
Missing the open enrollment window could mean going without coverage unless you qualify for a Special Enrollment Period due to a major life event like losing other insurance, moving, or having a baby.
It’s smart to enroll early. That way, your coverage will start on January 1, and you’ll have peace of mind heading into the new year. Even if you already have a plan, reviewing your options now can help you save money or get better coverage.
Let us help you find a plan that fits your life, now and in the future. Click here or give our team a call for a free, no-obligation quote.
Tamarac: (954) 642-2101
Deerfield Beach: (754) 778-8700
Greenacres & Vero Beach: (561) 420-0280
Port St. Lucie & Melbourne: (772) 828-2840
Sebastian (Micco): (772) 321-0813
FAQs About Open Enrollment 2026
Q: When is open enrollment 2026 for the Affordable Care Act?
A: It runs from November 1, 2025, through January 15, 2026.
Q: When does coverage begin?
A: Coverage starts January 1 if you enroll by December 15. If you enroll later, coverage starts February 1.
Q: Are your services really free?
A: Yes. Our help comes at no cost to you. We are licensed agents who assist with ACA plans and don’t charge you anything.
Q: Can I switch plans during open enrollment?
A: Yes. You can switch to a new plan or renew your current one during the open enrollment window.
Q: Are both HMO and PPO plans available?
A: Yes. The availability depends on your zip code and the insurance carriers in your area.
