The countdown is on: Open Enrollment 2026 for Marketplace health insurance starts November 1, 2025. If you buy your own coverage through the Affordable Care Act (ACA) Marketplace, now is the time to start preparing. Whether you’re in Kansas or one of the 29 states where ICT Insurance Group is licensed, this enrollment season could be one of the most important yet.
When is Open Enrollment 2026?
Open Enrollment runs from November 1, 2025, through January 15, 2026.
- Enroll by December 15, 2025 for coverage that begins January 1, 2026
- Enroll between December 16, 2025 and January 15, 2026 for coverage that begins February 1, 2026
If you miss these deadlines, you will only be able to get coverage if you qualify for a Special Enrollment Period, which is triggered by life events such as marriage, birth of a child, or loss of other coverage.
Who can enroll in 2026?
Marketplace coverage is available to people who don’t already have health insurance through an employer, Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP). To qualify, you must live in the United States and be a U.S. citizen or lawfully present immigrant. If you or your children qualify for Medicaid or CHIP, you can enroll any time during the year.
How much can you save during Open Enrollment 2026?
Most Marketplace consumers qualify for some type of financial help. Depending on your household income, you may be eligible for premium tax credits to lower your monthly costs, cost-sharing reductions to reduce deductibles and copays, or coverage through Medicaid or CHIP. Even if you have applied before, it’s important to check again for 2026 because your income and eligibility may have changed.
What do Marketplace plans cover?
Every plan sold through the Marketplace must cover a core set of benefits, including prescription drugs, emergency services, hospitalization, maternity care, laboratory services, mental health and substance use treatment, and preventive care. Pre-existing conditions are always covered, and preventive services like screenings and vaccines are available at no cost when you see in-network providers.
How to apply for coverage in 2026
There are several ways to apply: online, by phone, with a paper application, through an enrollment partner website, or with the help of a licensed agent or broker. Working with ICT Insurance Group makes the process simple. We can help you compare multiple plan options, determine your eligibility for savings, and guide you step by step through enrollment.
Don’t forget to pay your first premium. Marketplace coverage does not begin until your first premium is paid directly to your insurance company. Once paid, your coverage is active and you can begin using your benefits.
Why work with ICT Insurance Group
Open Enrollment 2026 will bring important changes and deadlines that could directly impact your coverage and costs. Navigating the Marketplace on your own can be overwhelming, but ICT Insurance Group is here to help. Our licensed agents provide personalized guidance, compare plans across multiple carriers, and ensure you don’t miss critical deadlines.
Start preparing now so you’re ready for Open Enrollment on November 1, 2025.
Call ICT Insurance Group at (316) 440-6111, request a free quote online, or connect with one of our licensed agents in your state.