When Is Open Enrollment for Health Insurance, and How Long Does It Last?
Open Enrollment is one of the most important times of year for anyone who needs health insurance. If you miss the window, you may have to wait until the following year unless you qualify for a Special Enrollment Period. Here’s everything you need to know about Open Enrollment for 2026 coverage, especially if you live in Phoenix or the East Valley.
What Is Open Enrollment?
Open Enrollment (also called the Open Enrollment Period, or OEP) is the annual timeframe when individuals and families can:
Enroll in a new health insurance plan
Renew their current plan
Switch to a different plan
Outside this period, you usually cannot sign up for insurance unless you qualify for a Special Enrollment Period triggered by major life events such as losing job coverage, getting married, having a baby, or moving.
Open Enrollment Dates for 2026 Coverage
For most states, including Arizona, the dates are:
Start: November 1, 2025
End: January 15, 2026
This means that if you live in Phoenix, Gilbert, Chandler, Mesa, Queen Creek, or Scottsdale, you must enroll during this time to have health coverage for 2026.
Book a call with Daisy to get started.
Key Deadlines to Remember
If you enroll by December 15, 2025, your coverage will begin January 1, 2026.
If you enroll between December 16, 2025 and January 15, 2026, your coverage will begin February 1, 2026.
After January 15, you’ll need to qualify for a Special Enrollment Period to get coverage.
Why These Dates Matter
Avoid Gaps in Coverage – Missing the deadline could leave you without insurance.
Maximize Subsidies – Many Arizona residents qualify for premium tax credits that lower monthly costs, but you must apply during Open Enrollment.
More Choices Early – Enrolling sooner often means more plan options and less stress.
Arizona Residents: What to Do Now
If you’re in Phoenix or the surrounding areas, the best way to prepare is to:
Gather income information (pay stubs or tax documents) for subsidy eligibility.
List your doctors, prescriptions, and preferred hospitals so you can check networks.
Review your current plan and note what worked or didn’t.
Schedule a consultation with a licensed insurance agent for guidance.
Final Thoughts
Open Enrollment for 2026 runs from November 1, 2025 through January 15, 2026. If you want coverage starting January 1, 2026, be sure to enroll by December 15. For residents of Phoenix and the East Valley, preparing early can make the process smoother and help you find a plan that fits your needs and budget.
If you’re unsure where to start, Daisy Nadolski, a licensed HealthMarkets agent serving Phoenix, Gilbert, Chandler, Mesa, Queen Creek, and Scottsdale, can walk you through your options and help you enroll with confidence.
