Open Enrollment Ends Soon—Act Now to Get Insured for 2026!

If you rely on Marketplace insurance, the deadline to get covered is quickly approaching. Open Enrollment ends on January 15, and if you miss it, you may be left uninsured for the year ahead.

Here’s what you need to know—and how AMAC can help you enroll before time runs out.

What Is Open Enrollment?

Open Enrollment is an annual window that allows people under 65 to sign up for individual or family health coverage through the Affordable Care Act (ACA) Marketplace. This year, the window runs from November 1 through January 15 in most states across the country.

If you don’t receive insurance through an employer, Medicare, or Medicaid, this is your opportunity to explore Marketplace insurance plans and determine whether you qualify for a subsidy to lower your monthly costs.

But in most cases, you must enroll by January 15 to get covered for 2026! Miss the deadline, and you may have to wait an entire year unless you qualify for a Special Enrollment Period (SEP).

How Marketplace Insurance Works

Created under the Affordable Care Act, the Marketplace is a government-run platform where individuals and families can compare health insurance plans. These plans are required to include essential benefits such as doctor visits, prescriptions, hospital stays, and preventive care.

Marketplace insurance is ideal for Americans under 65 who are self-employed, retired early, or otherwise in need of individual or family coverage. But to get the most out of it, understanding subsidies is key.

Do You Qualify for a Subsidy? Know Before You Enroll

Many people are surprised to learn they qualify for financial assistance through the Marketplace. Subsidies, also called premium tax credits, help lower your monthly insurance premiums based on your income and household size.

Here are a few important tips:

• Income and household size determine eligibility. The lower your income (within federal guidelines), the more financial help you may receive.
• Be accurate when estimating your income. Underestimating could result in you having to repay all or part of your subsidy at tax time.
• Update your plan when life changes. Events like marriage, divorce, or moving can affect your coverage and subsidy eligibility.
• Only the Marketplace offers subsidies. If you buy a plan directly from an insurance company, you won’t be able to apply a subsidy, which could potentially cost you thousands more per year.

Use AMAC’s licensed advisors to help calculate your eligible subsidy and compare plans at no cost.

Need Help? AMAC Makes Enrollment Easy

Don’t navigate the confusing enrollment process alone. AMAC’s trusted team of licensed insurance professionals is ready to help you:

• Choose a Marketplace insurance plan that fits your needs and budget
• Confirm your preferred doctors and prescriptions are covered
• Calculate your subsidy and complete your application, all at no cost to you!

If you’re unsure about your options, we’re standing by to assist you. Call 1-888-623-9595 now to speak with AMAC’s trusted team of licensed insurance advisors.

Why the Deadline Matters

Once Open Enrollment ends, you can’t sign up for Marketplace insurance again until next fall, unless you qualify for a Special Enrollment Period (SEP). These are limited to specific life events like job loss, marriage, divorce, or a major move.

Without insurance, you’ll be responsible for the full cost of prescriptions, doctor visits, lab tests, and more. This can be devastating for those managing chronic conditions or needing regular care.

Enroll by January 15 to Get Covered for 2026

Don’t wait until the last minute. Missing the deadline could leave you uninsured for the year ahead. Call 1-888-623-9595 now or click below to speak with AMAC’s trusted team of licensed insurance advisors.