Open Enrollment 2026

Not all health plans are created equal. On-Exchange plans may qualify you for thousands in savings, while Off-Exchange and short-term plans can leave you exposed with no financial help. Before you risk going uninsured for an entire year, learn the differences and let Doctor Insurance One guide you to the safest, most affordable option.

2026 will be the strictest enrollment year ever. No late enrollments, no second chances, and no backup SEPs. If you don’t enroll during Open Enrollment, you’ll likely go without coverage all year. Doctor Insurance One is here to help you enroll before it’s too late.

As we approach the 2026 plan-year for marketplace coverage under the ACA, a number of important changes are coming into effect. These changes impact premiums, subsidies, enrollment rules, and plan design, and will matter for agents advising clients and consumers selecting coverage. Below are the major changes you should know.