As open enrollment for health insurance approaches, the National Association of Insurance Commissioners (NAIC) is advising consumers to review their health plan options for 2026. Changes are expected in the Health Insurance Marketplace, and many may see higher premiums if they are enrolled in Marketplace plans.
Marketplace plans, available under the Affordable Care Act (ACA), can be accessed through HealthCare.gov or state-specific exchanges. Most enrollees currently receive financial assistance based on income. However, the enhanced premium tax credits that have made coverage more affordable are set to expire after 2025. This means that, unless new legislation is passed, out-of-pocket costs and premiums could rise for many in 2026.
“Depending on your income, you may still qualify for financial help. When you apply, the Marketplace will also check whether you and your family qualify for public programs like Medicaid and the Children’s Health Insurance Program (CHIP),” the NAIC stated.
The open enrollment period for 2026 runs from November 1, 2025, through January 15, 2026, though dates may vary by state. The NAIC recommends that those with existing Marketplace plans, or those seeking new coverage, compare their options during this period.
For those with access to job-based coverage, employers often pay a portion of the premiums for employees and their dependents. Eligibility may also extend to coverage through a family member’s employer-sponsored plan, or, for those under 26, a parent or guardian’s plan.
Private insurance is another option, available through agents, brokers, or directly from insurance companies. However, these plans do not qualify for Marketplace financial assistance and may not offer the same benefits.
Students enrolled in colleges or universities may be eligible for student health plans and are encouraged to contact their school’s health services department for more information.
The NAIC advises consumers to assess their family’s health care needs, estimate yearly costs, and compare premiums, out-of-pocket expenses, and benefits before choosing a plan. They caution that some products marketed as alternatives to health insurance, such as health care sharing ministries and discount plans, are not regulated insurance and do not offer the same protections.
“If you need help understanding your options, contact the department of insurance (DOI) in your state or territory. The DOI can help you find licensed agents or certified assisters who can review your options,” the NAIC noted.
The NAIC Health Insurance Shopping Tool and resources from the Marketplace are available to help consumers make informed decisions about their coverage.
