10/17/2025
⏰ It is almost time for health and Medicare insurance enrollment for 2026!
With the end of the year approaching, it’s officially time to start thinking about your health insurance coverage for 2026. Reviewing your plan is vital every year, as premiums, benefits, provider networks, and prescription drug formularies often change.
We are here to help you navigate these important enrollment periods to ensure you have the best coverage starting January 1st.
1. Health Insurance Marketplace Open Enrollment (ACA)
This period is for individuals and families who purchase their own coverage (on or off the Marketplace/Exchange).
OEP Start Date: November 1, 2025
Deadline for Jan. 1st Coverage: December 15, 2025
Final Enrollment Deadline: January 15, 2026
Action Item: Financial assistance (subsidies) and plans change annually. If you want coverage to start on January 1st, your plan selection must be finalized by December 15th.
2. Medicare Annual Enrollment Period (AEP)
This period is for clients currently enrolled in Medicare or becoming eligible soon ages 65+
AEP Dates: October 15, 2025 – December 7, 2025
Effective Date: January 1, 2026
Action Item: Even if you love your current Medicare Advantage (Part C), Prescription Drug (Part D) plan, or Medicare Supplement Plan, you must review your Annual Notice of Change (ANOC). Drug costs and doctor networks can shift, potentially costing you thousands next year if you don't make a change.
It is important to enroll into health insurance coverage now as this is the only period to gain adequate coverage for next year. Health insurance is so important and can save you from high medical bills is something were to ever come up! Protect yourself and your loved ones during the 2026 year.
How to Schedule Your 2026 Review
Our calendars fill up very quickly during October, November, and December. We strongly encourage you to schedule your plan review as soon as possible to ensure you secure the best time slot.
If you have any questions or need immediate assistance, please email [email protected] or call our office landline at 702-212-3888
Our office hours at Monday-Friday 9am-5pm
We look forward to helping you secure the right plan for 2026!