The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states.
Most Americans get insurance through their job, where the employer typically pays a portion of the premium. 3. Compare Plan Types how do you buy health insurance
You can generally only buy health insurance during two specific times: The annual window for anyone to sign up or switch plans
The official government platform ( HealthCare.gov ) for individual and family plans. This is the only place to qualify for premium tax credits that lower your monthly costs. A window outside of Open Enrollment triggered by
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
You can buy directly from companies like Anthem or Cigna off-exchange, though these plans are not eligible for federal subsidies.
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