Open Enrollment
The Window to Get Covered Opens Once a Year. Don't Miss It
ACA Open Enrollment is your primary opportunity to enroll in or change your health insurance plan. Outside of this window, you'll need a qualifying life event to enroll.
What are ACA subsidies?
The Government Helps Pay Your Premium. Here's How.
Lost Job Coverage
Losing employer-sponsored health insurance is one of the most common qualifying events for a SEP.
Marriage or Divorce
Getting married, divorced, or legally separated triggers a Special Enrollment Period.
New Baby or Adoption
Having or adopting a child qualifies you to enroll or update your plan immediately.
Moved to a New Area
Relocating to a new coverage area qualifies you for a SEP to choose a plan in your new location.
Federal Open Enrollment runs November 1 – January 15 each year.
Coverage enrolled before December 15 starts January 1. Coverage enrolled between December 16 – January 15 starts February 1. Some states have extended windows — call us to confirm your state's deadline.
1
Call Before the Deadline
2
Review Your Options
3
Confirm Your Subsidies
4
Enroll & Confirm
© Fusion Health Insurance 2026 All Rights Reserved.