The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states.
A window outside of Open Enrollment triggered by "qualifying life events," such as getting married, having a baby, or losing existing coverage . 2. Choose Where to Shop how do you buy health insurance
You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies. The annual window for anyone to sign up or switch plans
Buying health insurance is a multi-step process that involves assessing your medical needs, understanding various plan structures, and enrolling during specific windows of time. For 2026 coverage, most individuals can purchase insurance during the , which typically runs from November 1, 2025, to January 15, 2026 . 1. Identify Your Enrollment Window For 2026 coverage, most individuals can purchase insurance