How to Prepare for ACA Open Enrollment (OEP)
The Open Enrollment Period (OEP) for ACA (Affordable Care Act) health insurance runs from November 1 to January 15. This is your window to enroll in a new plan, renew your current one, or make changes to better fit your needs for 2026.
Here’s how to get ready:
1. Review Your Current Coverage
Take a moment to think about how your plan worked for you this year. Were your doctors in-network? Did your prescriptions cost more than expected? Make a list of what worked — and what didn’t.
2. Update Your Information
We will need the following:
- A list of your current prescriptions (with dosage)
- Names of your doctors and specialists
- Preferred pharmacies
This helps us match you with the best plans available.
3. Watch for Your ANOC
If you’re currently enrolled in a plan, your carrier will send you an Annual Notice of Changes (ANOC) in late September. It outlines any changes in your coverage or costs. Don’t ignore it — these changes could affect your care in 2026.
4. Stay Alert for Scam Communications
OEP is a popular time for scammers to target consumers with misleading calls, emails, and ads. If something seems off, check with your trusted agent before responding.
5. Be Ready to Schedule Your Appointment
We’ll begin sending notices soon to schedule an appointment to review your coverage. Appointments can start after October 1. Keep an eye out for communications from us so we can help you review your options and find the best fit.