The 2026 Open Enrollment Period (OEP) begins November 1, 2025, and ends usually January 15, 2026, in most states.1 The chart below shows the 2026 OEP dates for the states that use the federal Health Insurance Marketplace. Coverage begins January 1.2 If you have a Special Enrollment Period, coverage will begin the first day of the month after you sign up. For example, if you sign up on February 15,