Marketplace Open Enrollment: What to Know Before You Choose a Plan

How the annual Marketplace open enrollment period works, where to confirm the current dates, and how to compare plans before you decide on health coverage.

Health Insurance

January 10, 2026 ยท 6 min read

  • Open Enrollment is your annual opportunity to review and change your health insurance coverage. Whether you're satisfied with your current plan or looking for something better, understanding the open enrollment process is essential.
  • How the Dates Work
  • Marketplace open enrollment runs for a defined window each year, and the date you enroll usually determines whether coverage starts at the beginning of the next month or the month after. Dates change from year to year, so confirm the current window and coverage start dates on HealthCare.gov before planning around them.
  • Review Plan Changes Each Year
  • Plans can change their premiums, cost sharing, networks, and drug lists from one plan year to the next, and eligibility for financial help depends on your household and income for that year. It is worth reviewing your plan's renewal notice and the current plan details on HealthCare.gov even if you are happy with your coverage.
  • Steps to Take During Open Enrollment
  • 1. **Review Your Current Coverage**: Look at what you've used this year and anticipate your needs for next year. 2. **Compare Plans**: Don't assume your current plan is still a good fit. Compare premiums, deductibles, and out-of-pocket costs. 3. **Check Your Doctors**: Make sure your preferred healthcare providers are still in-network. 4. **Review Prescription Coverage**: If you take medications, verify they're covered under the plan's formulary.
  • Common Mistakes to Avoid
  • - Missing the deadline - Not reviewing plan changes - Focusing only on premiums (ignoring deductibles and out-of-pocket maximums) - Forgetting to update your household information
  • Get Help Reviewing Your Options
  • Navigating health insurance options can be confusing. RGI Group can explain the options we are able to offer and help you compare them, and you are also free to enroll on your own at HealthCare.gov. Contact us if you would like to review your options with a licensed Texas agent.

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