The ultimate guide

Open Enrollment by state guide, 2025-2026

Open Enrollment is a vital time for anyone shopping for individual health insurance. Below, we've created a comprehensive list of Open Enrollment details for each state to help make your enrollment experience as smooth as possible.

State by state resources map

What is Open Enrollment?

Open Enrollment is when individuals and families can enroll in a health insurance plan or renew their coverage for the following calendar year. It generally refers to the period when individuals can purchase qualified health plans through the public health insurance exchanges created by the Affordable Care Act (ACA). This includes Medicaid and the Children's Health Insurance Program (CHIP). However, other health benefits like Medicare also have open enrollment periods.

This is the only time of year when individuals and families can enroll in health coverage or change plans. Outside of Open Enrollment season, they must experience a qualifying life event to trigger a special enrollment period.

When is 2026 Open Enrollment?

For most states, Open Enrollment for 2026 coverage runs from November 1, 2025, to January 15, 2026. However, individuals must enroll by December 15 in most states if they want their insurance coverage to start on January 1. States with their own public health insurance exchanges can have slightly different Open Enrollment dates within this window. We've listed these specific dates in the guide below.

Open Enrollment under the ACA is different from Medicare open enrollment. Medicare open enrollment runs from October 15 to December 7, with another, more limited open enrollment period from January 1 to March 31.

This is the final year of extended Open Enrollment for individual health insurance. The Trump administration recently announced that Open Enrollment for 2027 coverage will run from November 1, 2026, to December 15, 2026, in most states.

What do employers need to know about Open Enrollment?

If an organization offers certain types of health reimbursement arrangements (HRAs) to its employees, it can reimburse them tax-free for their individual health insurance premiums and other qualifying out-of-pocket medical expenses. Employees can shop for their own personal insurance coverage from the public and private exchanges. 

Employers can reimburse employees for individual health insurance premiums with the following types of HRAs:

  • Qualified small employer HRA (QSEHRA): A QSEHRA is the simplest HRA for small businesses to deploy and manage. A QSEHRA allows employers with fewer than 50 full-time equivalent employees (FTEs) to offer a single reimbursement plan to all employees up to a maximum amount the IRS adjusts each year for inflation.
  • Individual coverage HRA (ICHRA): This flexible and customizable plan option allows employers of all sizes to offer different allowances to different classes of employees. There's no limit to the amount an employer can contribute.

Organizations that offer a QSEHRA or ICHRA or plan to offer one in 2026 need to be aware of Open Enrollment deadlines so they can answer any questions their employees may have about how to choose a health insurance plan.

How PeopleKeep by Remodel Health helps

If your employer offers a QSEHRA or ICHRA through PeopleKeep and they aren't working with a broker partner, you can shop for a health insurance plan right from your PeopleKeep account. You can also shop for ancillary coverage like dental or vision insurance. This makes navigating your health insurance options easier.

2026 individual insurance Open Enrollment by state

We'll share everything individuals and employers need to know about Open Enrollment in each state, including the following:

  • Each state's health insurance marketplace website
  • Open Enrollment dates
  • Participating insurance companies
  • Average rates
  • Upper-income limits for premium subsidies
  • Enrollment statistics

Skip to your state by selecting its corresponding letter:

A C D F G H I K L M N O P R S T U V W

 

A

Alabama

Where do I shop for health insurance in Alabama?

Alabama residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Alabama?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alabama residents with qualifying life events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Alabama

  • Blue Cross and Blue Shield of Alabama
  • Celtic Insurance (Ambetter)
  • UnitedHealthcare

What are the 2026 insurance rates for Alabama?

The average monthly premium for all plans in Alabama in 2026 is $784, an increase of 20.73% (or $135) from 2025.

According to KFF, here were the average monthly premiums in Alabama for a 40-year-old in 2025:

  • Lowest-cost silver plan: $523
  • Second-lowest-cost silver plan: $535

What are the Open Enrollment statistics for Alabama health insurance?

  • Individual health insurance. 477,838 residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 96% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 947,601 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,125,969 beneficiaries of Medicare in Alabama.

Alabama health insurance and employee benefits resources

Alaska

 

Where do I shop for insurance in Alaska?

Residents enroll through the federal exchange, HealthCare.gov.

When is Open Enrollment for Alaska?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alaska residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Alaska

  • Moda Health Plan
  • Premera
  • Blue Cross Blue Shield of Alaska

What are the 2026 insurance rates for Alaska?

The preliminary average monthly premium for all plans in Alaska in 2026 is $1,102, a decrease of 0.23% (or $3) from 2025.

According to KFF, here were the average monthly premiums in Alaska for a 40-year-old in 2025:

  • Lowest-cost silver plan: $1,040
  • Second-lowest-cost silver plan: $1,045

What are the enrollment statistics for Alaska health insurance?

  • Individual health insurance. 28,736 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 225,031 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 120,835 beneficiaries of Medicare in Alaska.

Alaska health insurance resources

Arizona

Where do I shop for insurance in Arizona?

Arizona residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Arizona?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arizona residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Arizona

  • Antidote Health Plan of Arizona
  • Arizona Complete Health (CommunityCare and Ambetter)
  • Blue Cross Blue Shield of Arizona
  • Cigna HealthCare of Arizona
  • Imperial Insurance Companies
  • Oscar Health Plan
  • UnitedHealthcare of Arizona

What are the 2026 insurance rates for Arizona?

The preliminary average monthly premium for all plans in Arizona in 2026 is $713, an increase of 36.13% (or $189) from 2025.

According to KFF, here were the average monthly premiums in Arizona for a 40-year-old in 2025:

  • Lowest-cost silver plan: $382
  • Second-lowest-cost silver plan: $410

What are the enrollment statistics for Arizona health insurance?

  • Individual health insurance. 423,025 residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,818,912 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,521,014 beneficiaries of Medicare in Arizona.

Arizona health insurance resources

Arkansas

Where do I shop for insurance in Arkansas?

Arkansas residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Arkansas?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arkansas residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Arkansas

  • Celtic Insurance Company (Ambetter)
  • HMO Partners (Health Advantage)
  • QCA Health Plan, QualChoice Life & Health Insurance Company
  • USAble HMO
  • USAble Mutual Insurance Co (AR Blue Cross & Blue Shield)

What are the 2026 insurance rates for Arkansas?

The preliminary average monthly premium for all plans in Arkansas in 2026 is $802, an increase of 35.67% (or $211) from 2025.

According to KFF, here were the average monthly premiums in Arkansas for a 40-year-old in 2025:

  • Lowest-cost silver plan: $452
  • Second-lowest-cost silver plan: $458

What are the enrollment statistics for Arkansas health insurance?

  • Individual health insurance. 166,639 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 92% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 821,900 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 683,292 beneficiaries of Medicare in Arkansas.

Arkansas health insurance resources

 

C

California

Where do I shop for insurance in California?

California residents use the Covered California state-based exchange.

When is Open Enrollment for California?

California has adopted a three-month open enrollment schedule that takes place:

November 1, 2025 - January 31, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside of that window, California residents with qualifying life changes can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in California

California has one of the largest numbers of carriers in the individual market, with 12 insurance companies participating this year. California is divided into 19 pricing regions, and 88% of Covered California consumers will have at least three health insurance companies to choose from in their region.

The following carriers offer individual insurance plans on the California state exchange:

  • Anthem Blue Cross (Blue Cross of California)
  • California Physician's Services (Blue Shield of California)
  • Chinese Community Health Plan
  • County of Santa Clara (Valley Health Plan)
  • Health Net of California (CommunityCare and Ambetter)
  • Inland Empire Health Plan
  • Kaiser Foundation Health Plan (Kaiser Permanente)
  • Local Initiative Authority for Los Angeles County (LA Care Health Plans)
  • Molina Healthcare of California
  • Sharp Health Plan
  • Sutter Health Plan
  • Western Health Advantage

What are the 2026 insurance rates for California?

The preliminary monthly average premium for all plans in California in 2026 is $756, an increase of 10.21% (or $70) from 2025.

According to KFF, here are the average monthly premiums in California for a 40-year-old in 2025:

  • Lowest-cost silver plan: $469
  • Second-lowest-cost silver plan: $512

Some independent contractors are now eligible for benefits from their employer

In 2020, a new California law reclassified many independent contractors as employees, which makes them eligible for labor law protections, including minimum wage, worker’s compensation, employer contributions to Social Security and Medicare (FICA taxes), and overtime pay. Newly reclassified employees are also eligible for health benefits from applicable large employers (ALEs).

Organizations will generally be able to use the look-back methodto determine if newly reclassified workers are working full-time. They will have up to a year to make the determination and begin offering coverage to employees who work over 30 hours per week. The look-back method is only available for employees with seasonal or variable hours (these typically include employees who schedule their own work time).

Does California cap prescription costs?

In 2016, Covered California passed a price cap on high-cost specialty drugs, like those needed for HIV, AIDS, Diabetes, Hepatitis C, and other chronic conditions. The cap means that most consumers will not pay more than $250/month for these medications. These caps apply to plans purchased both on and off the exchange.

What are the enrollment statistics for California health insurance?

  • Individual health insurance. 1,979,504 residents enrolled in individual insurance through the CoveredCA exchange during the 2025 Open Enrollment Period. Of these, roughly 88% receive premium subsidies.
  • Medicaid and CHIP. As of May 2025, 13,409,214 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 7,059,318 beneficiaries of Medicare in California.

California health insurance resources

Colorado

 Where do I shop for insurance in Colorado?

Colorado residents use the state-based exchange: ConnectforHealthColorado.

When is Open Enrollment for Colorado?

November 1, 2025 - January 15, 2026

Enrollments completed by December 15, 2025 will have coverage effective January 1, 2026. Enrollments completed between December 16 and January 15 will have coverage effective February 1, 2026.

Outside of that window, Colorado residents with qualifying life changes can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Colorado

  • Anthem
  • Cigna Health and Life
  • Denver Health Medical Plan
  • HMO Colorado
  • Kaiser Foundation Health Plan of Colorado (Kaiser Permanente)
  • Rocky Mountain HMO
  • SelectHealth

What are the 2026 insurance rates for Colorado?

The preliminary monthly average premium for all plans in Colorado in 2026 is $732, an increase of 28.38% (or $162) from 2025.

According to KFF, here are the average monthly premiums in Colorado for a 40-year-old in 2025:

  • Lowest-cost silver plan: $455
  • Second-lowest-cost silver plan: $463

What are the enrollment statistics for Colorado health insurance?

  • Individual health insurance. 282,481 residents enrolled in health insurance plans through Connect for Health Colorado during the 2025 Open Enrollment Period. Of these, roughly 79% receive premium subsidies. 
  • Medicaid and CHIP. As of May 2025, 1,200,945 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,058,449 beneficiaries of Medicare in Colorado.

Colorado health insurance resources

Connecticut

Where do I shop for insurance in Connecticut?

Connecticut residents use the state-based exchange: Access Health CT.

When is Open Enrollment for Connecticut?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Connecticut residents with qualifying life events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Connecticut

  • Anthem Health Plans
  • ConnectiCare Benefits
  • ConnectiCare Insurace

What are the 2026 insurance rates for Connecticut?

The monthly average premium for all plans in Connecticut in 2026 is $1,072, an increase of 16.83% (or $154) from 2025.

According to KFF, here are the average monthly premiums in Connecticut for a 40-year-old in 2025:

  • Lowest-cost silver plan: $660
  • Second-lowest-cost silver plan: $693

What are the enrollment statistics for Connecticut health insurance?

  • Individual health insurance. 151,151 residents enrolled in health insurance plans through Access Health CT during the 2025 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. 
  • Medicaid and CHIP. As of May 2025, 918,345 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 761,468 beneficiaries of Medicare in Connecticut.

Connecticut health insurance resources

 

D - F

Delaware

Where do I shop for insurance in Delaware?

Delaware’s exchange is a partnership between the state and the HHS, with residents enrolling through HealthCare.gov.

When is Open Enrollment for Delaware?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Delaware residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Delaware

  • AmeriHealth Caritas VIP Next
  • Celtic Insurance Company (Ambetter)
  • Highmark Blue Cross Blue Shield

What are the 2026 insurance rates for Delaware?

The monthly average premium for all plans in Delaware in 2026 is $956, an increase of 27.69% (or $207) from 2025.

According to KFF, here were the average monthly premiums in Delaware for a 40-year-old in 2025:

  • Lowest-cost silver plan: $530
  • Second-lowest-cost silver plan: $534

What are the enrollment statistics for Delaware health insurance?

  • Individual health insurance. 52,931 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 245,472 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 250,340 beneficiaries of Medicare in Delaware.

Delaware health insurance resources

District of Columbia

 

Where do I shop for insurance in Washington D.C.?

Washington, D.C. residents use the district-based exchange, DC Health Link.

When is Open Enrollment for Washington D.C.?

November 1, 2025 - January 31, 2026

Residents must enroll by December 15 for coverage to start January 1, by January 15 for coverage to start February 1, and by January 31 for coverage to start March 1.

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have aqualifying life event.

Participating insurance carriers in Washington D.C.

  • CareFirst BlueChoice
  • GHMSI (BluePreferred)
  • Kaiser Foundation Health Plan of the Mid-Atlantic States (Kaiser Permanente)

What are the 2025 insurance rates for Washington, D.C.?

The monthly average premium for all plans in Washington, D.C. in 2025 is $936, an increase of 4.73% (or $42) from 2024.

According to KFF, here are the average monthly premiums in D.C. for a 40-year-old in 2025:

  • Lowest-cost silver plan: $526
  • Second-lowest-cost silver plan: $578

What are the enrollment statistics for Washington, D.C. health insurance?

  • Individual health insurance. 14,301 residents enrolled in health insurance plans through DC Health Link during the 2024 Open Enrollment. Of these, roughly 18% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of September 2024, 263,400 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2024, there were 95,661 beneficiaries of Medicare in Washington D.C.

Washington D.C. health insurance resources

Florida

Where do I shop for insurance in Florida?

Florida uses the federal health insurance marketplace. Residents enroll through: HealthCare.gov.

When is Open Enrollment for Florida?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Florida residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Florida

  • Aetna Health
  • AmeriHealth Caritas Florida
  • Blue Cross and Blue Shield of Florida
  • Capital Health Plan
  • Celtic Insurance Company
  • Cigna Health and Life
  • Florida Health Care Plan
  • Health First Commercial Plans
  • Health Options
  • Molina Healthcare of Florida

What are the 2025 insurance rates for Florida?

The monthly average premium for all plans in Florida in 2025 is $663, an increase of 7.5% (or $46) from 2024.

According to KFF, here are the average monthly premiums in Florida for a 40-year-old in 2025:

  • Lowest-cost silver plan: $513
  • Second-lowest-cost silver plan: $515

What are the enrollment statistics for Florida health insurance?

  • Individual health insurance. 4,211,902 Floridians enrolled in exchange plans during the 2024 Open Enrollment Period. Of these, roughly 97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid/CHIP. As of September 2024, 3,867,608 residents were enrolled in Medicaid/CHIP.
  • Medicare. As of June 2024, there were 5,098,048 Florida residents enrolled in Medicare.

Key insurance legislation and protection in Florida

Florida’s balance billing protections are among the nation’s strongest. Insurers must cover emergency care at in-network rates, whether or not the providers are in-network or the patient could choose another provider.

“Balance bills” primarily occur in two circumstances:

  1. When an enrollee receives emergency care either at an out-of-network facility or from an out-of-network provider
  2. When an enrollee receives elective nonemergency care at an in-network facility but is inadvertently treated by an out-of-network healthcare provider

Florida health insurance resources

  • Florida Consumer Action Network (FCAN). A grassroots organization that empowers citizens to influence public policy by organizing and educating in areas where consumer voices are underrepresented.
  • Florida Kid Care. Insurance resources for children up to the age of 18.
  • FloridaHealthFinder.gov. Administrator of the Florida Medicaid program, licensure and regulation of Florida’s health facilities, and information provider to Floridians about the quality of care they receive.

 

G - H

Georgia

Where do I shop for insurance in Georgia?

Georgia residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Georgia?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Georgia

  • Alliant Health Plans
  • Ambetter of Peach State
  • Anthem
  • AMGP Georgia Managed Care Company
  • Blue Cross Blue Shield Healthcare Plan of Georgia
  • CareSource Georgia
  • Cigna HealthCare of Georgia
  • Kaiser Foundation Health Plan of Georgia
  • Oscar Health Plan of Georgia
  • Peach State Health Plan
  • UnitedHealthcare of Georgia

What are the 2026 insurance rates for Georgia?

The preliminary average monthly premium for all plans in Georgia in 2026 is $828, an increase of 33.53% (or $208) from 2025.

According to KFF, here were the average monthly premiums in Georgia for a 40-year-old in 2025:

  • Lowest-cost silver plan: $489
  • Second-lowest-cost silver plan: $493

What are the enrollment statistics for Georgia health insurance?

  • Individual health insurance. 1,510,852 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,927,756 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,976,556 beneficiaries of Medicare in Georgia.

Georgia health insurance resources

Hawaii

 Where do I shop for insurance in Hawaii?

The state oversees all plans sold, but Hawaii residents use the federal exchange to enroll, HealthCare.gov.

When is Open Enrollment for Hawaii?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Hawaii residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Hawaii

  • Hawaii Medical Service Association
  • Kaiser Foundation Health Plan

What are the 2026 insurance rates for Hawaii?

The average monthly premium for all plans in Hawaii in 2026 is $815, an increase of 11.85% (or $86) from 2025.

According to KFF, here were the average monthly premiums in Hawaii for a 40-year-old in 2025:

  • Lowest-cost silver plan: $486
  • Second-lowest-cost silver plan: $493

What are the enrollment statistics for Hawaii health insurance?

  • Individual health insurance. 24,606residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 83% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 395,873 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 310,946 beneficiaries of Medicare in Hawaii.

Hawaii health insurance resources

 

I

Idaho

Where do I shop for insurance in Idaho?

Idaho residents use the state-based exchange, Your Health Idaho.

When is Open Enrollment for Idaho?

October 15, 2025 - December 15, 2026

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Idaho

  • Blue Cross of Idaho Health Service
  • Moda Health Plan
  • Molina Healthcare of Idaho
  • Mountain Health Cooperative
  • PacificSource Health Plans
  • Regence BlueShield of Idaho
  • SelectHealth
  • St. Luke's Health Plan

What are the 2026 insurance rates for Idaho?

The average monthly premium for all plans in Idaho in 2026 is $533, an increase of 10.54% (or $51) from 2025.

According to KFF, here were the average monthly premiums in Idaho for a 40-year-old in 2025:

  • Lowest-cost silver plan: $430
  • Second-lowest-cost silver plan: $436

What are the enrollment statistics for Idaho health insurance?

  • Individual health insurance. 103,783 residents enrolled in health insurance plans during the 2025 Open Enrollment Period. Of these, roughly 86% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 318,814 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 403,303 beneficiaries of Medicare in Idaho.

Idaho health insurance resources

Illinois

 

Where do I shop for insurance in Illinois?

Illinois residents will shop for health insurance at HealthCare.gov.

The state runs the Get Covered Illinois website, which offers resources and assistance to residents who need help shopping for an insurance plan.

When is Open Enrollment for Illinois?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Illinois residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Illinois

  • Blue Cross and Blue Shield of Illinois
  • Celtic Insurance Company (Ambetter)
  • Cigna Healthcare
  • MercyCare HMO
  • Molina Healthcare of Illinois
  • Oscar Health Plan
  • UnitedHealthcare of Illinois

What are the 2026 insurance rates for Illinois?

The average monthly premium for all plans in Illinois in 2026 is $873, an increase of 29.47% (or $199) from 2025.

According to KFF, here are the average monthly premiums in Illinois for a 40-year-old in 2025:

  • Lowest-cost silver plan: $468
  • Second-lowest-cost silver plan: $474

What are the enrollment statistics for Illinois health insurance?

  • Individual health insurance. 465,985people enrolled in qualified health plans (QHPs) through the Illinois health insurance marketplace during the 2025 Open Enrollment Period. Of these, roughly 90% of Illinois residents using the exchange receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 3,143,847 residents were enrolled in Medicaid or CHIP.
  • Medicare. As of June 2025, there were 2,438,783 beneficiaries of Medicare in Illinois, about 18 percent of the state’s population.

Key health insurance legislation and protection in Illinois

Expanded mammogram coverage took effect in January 2020. SB162 requires insurers to continue to fully cover screening mammograms as federal law requires for preventative treatment, but expands coverage to include breast ultrasounds and MRIs for women with dense breast tissue or women whose doctor believes the ultrasound or MRI is medically necessary. Insurers must also fully cover diagnostic mammograms, which are used when an abnormality is detected.

Illinois health insurance resources

  • Get Covered Illinois. A state-run program includes a website, in-person assistance, and a help desk for HealthCare.gov.
  • Illinois Health Matters. Information resources on healthcare reform
  • Illinois Health Care Assistance serves residents enrolled in private health insurance.
  • The Office of Consumer Health Insurance and the Ombudsman for the Uninsured serve residents who are uninsured as well as residents who have health insurance problems or questions.

Indiana

Where do I shop for insurance in Indiana?

Indiana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Indiana?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Indiana residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Indiana

  • Anthem Insurance Companies
  • CareSource Indiana
  • Celtic Insurance Company (Ambetter)
  • Cigna Health and Life Insurance Company
  • Coordinated Care Corporation (Ambetter)
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Indiana?

The average monthly premium for all plans in Indiana in 2026 is $635, an increase of 26.3% (or $132) from 2025.

According to KFF, here were the average monthly premiums in Indiana for a 40-year-old in 2025:

  • Lowest-cost silver plan: $380
  • Second-lowest-cost silver plan: $382

What are the enrollment statistics for Indiana health insurance?

  • Individual health insurance. Over 359,240 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,725,367 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,393,539 beneficiaries of Medicare in Indiana.

Indiana health insurance resources

Iowa

Where do I shop for insurance in Iowa?

Iowa has a state-run exchange, but residents enroll through the federal exchange, HealthCare.gov.

When is Open Enrollment for Iowa?

November 1, 2025- January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Iowa residents who experience qualifying life events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Iowa

  • Iowa Total Care (Ambetter)
  • Medica Insurance Company
  • Oscar Insurance Company
  • UnitedHealthcare Plan of the River Valley
  • Wellmark Health Plan of Iowa

What are the 2026 insurance rates for Iowa?

The preliminary average monthly premium for all plans in Iowa in 2026 is $636, an increase of 14.52% (or $81) from 2025.

According to KFF, here were the average monthly premiums in Iowa for a 40-year-old in 2025:

  • Lowest-cost silver plan: $427
  • Second-lowest-cost silver plan: $429

What are the enrollment statistics for Iowa health insurance?

  • Individual health insurance.136,833 residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 673,680 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 695,303 beneficiaries of Medicare in Iowa.

Iowa health insurance resources

  • Consumer Advocate Bureau provides assistance with navigating the healthcare system, assistance programs, and other issues related to health insurance benefits.

 

K - L

Kansas

Where do I shop for insurance in Kansas?

Kansas residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Kansas?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kansas residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Kansas

  • Blue Cross and Blue Shield of Kansas City
  • Blue Cross and Blue Shield of Kansas
  • Celtic Insurance Company (Ambetter)
  • Medica Insurance Company
  • Oscar Insurance Company
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Kansas?

The preliminary monthly average premium for all plans in Kansas in 2026 is $847, an increase of 30.48% (or $198) from 2025.

According to KFF, here were the average monthly premiums in Kansas for a 40-year-old in 2025:

  • Lowest-cost silver plan: $508
  • Second-lowest-cost silver plan: $513

What are the enrollment statistics for Kansas health insurance?

  • Individual health insurance. 200,046 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 413,043 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 597,445 beneficiaries of Medicare in Kansas.

Kansas health insurance resources

Kentucky

 

Where do I shop for insurance in Kentucky?

Kentucky residents use the state exchange, Kynect.

When is Open Enrollment for Kentucky?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kentucky residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Kentucky

  • Anthem Health Plans of Kentucky
  • Molina Healthcare of Kentucky
  • WellCare Health Plans of Kentucky (Ambetter)

What are the 2026 insurance rates for Kentucky?

The average monthly premium for all plans in Kentucky in 2026 is $780, an increase of 29.82% (or $179) from 2024.

According to KFF, here were the average monthly premiums in Kentucky for a 40-year-old in 2025:

  • Lowest-cost silver plan: $435
  • Second-lowest-cost silver plan: $442

What are the enrollment statistics for Kentucky health insurance?

  • Individual health insurance. 97,374 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2025 Open Enrollment Period. Of these, roughly 86% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,376,902 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 996,412 beneficiaries of Medicare in Kentucky.

Kentucky health insurance resources

Louisiana

Where do I shop for insurance in Louisiana?

Louisiana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Louisiana?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Louisiana residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Louisiana

  • Ambetter Health of Louisiana
  • HMO Louisiana (Louisiana Blue)
  • Louisiana Health Service & Indemnity Company (Louisiana Blue)
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Louisiana?

The preliminary monthly average premium for all plans in Louisiana in 2026 is $794, an increase of 23.72% (or $152) from 2025.

According to KFF, here were the average monthly premiums in Louisiana for a 40-year-old in 2025:

  • Lowest-cost silver plan: $509
  • Second-lowest-cost silver plan: $524

What are the enrollment statistics for Louisiana health insurance?

  • Individual health insurance. 292,994 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 96% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,494,228 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 949,013 beneficiaries of Medicare in Louisiana.

Louisiana health insurance resources

 

M

Maine

Where do I shop for insurance in Maine?

Maine residents use the state exchange, CoverME.gov

When is Open Enrollment for Maine?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Maine residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Maine

  • Anthem Health Plans of ME
  • Harvard Pilgrim Health Care
  • HPHC
  • Maine Community Health Options
  • Taro Health Plan of Maine (Mending Health)

What are the 2026 insurance rates for Maine?

The preliminary average monthly premium for all plans in Maine in 2026 is $948, an increase of 25.11% (or $190) from 2025.

According to KFF, here were the average monthly premiums in Maine for a 40-year-old in 2025:

  • Lowest-cost silver plan: $545
  • Second-lowest-cost silver plan: $546

What are the enrollment statistics for Maine health insurance?

  • Individual health insurance. 64,678 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2025 Open Enrollment Period. Of these, roughly 85% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 344,515 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 383,550 beneficiaries of Medicare in Maine.

Maine health insurance resources

Maryland

Where do I shop for insurance in Maryland?

Maryland residents use the state-based exchange, Maryland Health Connection.

When is Open Enrollment for Maryland?

November 1, 2025 - January 15, 2026

People who enroll by December 31 will begin coverage on January 1. Those who enroll between January 1 and January 15 will begin coverage on February 1.

Outside of that window, Maryland residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Maryland

  • CareFirst BlueChoice
  • CFMI (BluePreferred)
  • GHMSI (BluePreferred)
  • Kaiser Foundation Health Plan of the Mid-Atlantic States
  • Optimum Choice
  • Wellpoint Maryland

What are the 2026 insurance rates for Maryland?

The average monthly premium for all plans in Maryland in 2026 is $558, an increase of 13.41% (or $66) from 2025.

According to KFF, here were the average monthly premiums in Maryland for a 40-year-old in 2025:

  • Lowest-cost silver plan: $362
  • Second-lowest-cost silver plan: $365

What are the enrollment statistics for Maryland health insurance?

  • Individual health insurance. 247,243 residents enrolled in qualified plans during the 2025 Open Enrollment Period. Of these, roughly 76% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,434,297 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,166,089 beneficiaries of Medicare in Maryland.

Maryland health insurance resources

Massachusetts

  • Where do I shop for insurance in Massachusetts?

    Massachusetts residents use the state exchange, Massachusetts Health Connector.

    When is Open Enrollment for Massachusetts?

    November 1, 2025 – January 23, 2026

    Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

    Outside of that window, Massachusetts residents with qualifying events can still enroll or make changes to their coverage for 2026.

    Participating insurance carriers in Massachusetts

    • Blue Cross and Blue Shield of Massachusetts HMO Blue
    • Fallon Community Health Plan
    • Harvard Pilgrim Healthcare
    • Health New England
    • Mass General Brigham Health Plan
    • Tufts Health Public Plans
    • UnitedHealthcare Insurance Company
    • WellSense Health Plan

     

    What are the 2026 insurance rates for Massachusetts?

    The average monthly premium for all plans in Massachusetts in 2026 is $596, an increase of 11.38% (or $61) from 2025.

    According to KFF, here were the average monthly premiums in Massachusetts for a 40-year-old in 2025:

    • Lowest-cost silver plan: $419
    • Second-lowest-cost silver plan: $447

    What are the enrollment statistics for Massachusetts health insurance?

    • Individual health insurance. Over 389,191 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2025 Open Enrollment Period. Of these, 83% receive federal premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
    • Medicaid and CHIP. As of May 2025, 1,618,344 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
    • Medicare. As of June 2025, there were 1,478,310 beneficiaries of Medicare in Massachusetts.

    Massachusetts health insurance resources

Michigan

Where do I shop for insurance in Michigan?

Michigan oversees plans in the state, but residents enroll on the federal exchange, HealthCare.gov.

When is Open Enrollment for Michigan?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Michigan residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Michigan

  • Alliance Health and Life
  • Blue Care Network of Michigan
  • Blue Cross Blue Shield of Michigan Mutual
  • Health Alliance Plan
  • McLaren Health Plan Community
  • Meridian Health Plan of Michigan
  • Molina Healthcare of Michigan
  • Oscar Insurance Company
  • Priority Health
  • UHC Community Plan (UnitedHealthcare)

What are the 2026 insurance rates for Michigan?

The preliminary average monthly premium for all plans in Michigan in 2026 is $632, an increase of 16.96% (or $92) from 2025.

According to KFF, here were the average monthly premiums in Michigan for a 40-year-old in 2025:

  • Lowest-cost silver plan: $394
  • Second-lowest-cost silver plan: $404

What are the enrollment statistics for Michigan health insurance?

  • Individual health insurance. More than 531,083 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, roughly 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 2,367,798 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 2,281,187 beneficiaries of Medicare in Michigan.

Michigan health insurance resources

Minnesota

Where do I shop for insurance in Minnesota?

Minnesota residents use the state-based exchange, MNsure.

When is Open Enrollment for Minnesota?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Minnesota residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Minnesota

  • HealthPartners
  • HMO Minnesota (BlueCross BlueShield)
  • Medica
  • Quartz Health Plan MN Corporation
  • UCare Minnesota

What are the 2026 insurance rates for Minnesota?

The average monthly premium for all plans in Minnesota in 2026 is $646, an increase of 22.08%(or $117) from 2025.

According to KFF, here were the average monthly premiums in Minnesota for a 40-year-old in 2025:

  • Lowest-cost silver plan: $355
  • Second-lowest-cost silver plan: $363

What are the enrollment statistics for Minnesota health insurance?

  • Individual health insurance. 151,512 residents enrolled in qualified plans during the 2025 Open Enrollment Period. Of these, roughly 61% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,174,329 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,174,854 beneficiaries of Medicare in Minnesota.

Minnesota health insurance resources

Mississippi

Where do I shop for insurance in Mississippi?

Mississippi residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Mississippi?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Mississippi residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Mississippi

  • Ambetter of Magnolia
  • Blue Cross & Blue Shield of Mississippi
  • Celtic Insurance Company (Ambetter)
  • Cigna Health and Life Insurance Company
  • Molina Healthcare of Mississippi
  • UnitedHealthcare of Mississippi

What are the 2026 insurance rates for Mississippi?

The preliminary average monthly premium for all plans in Mississippi in 2026 is $827, an increase of 36.77% (or $222) from 2025.

According to KFF, here were the average monthly premiums in Mississippi for a 40-year-old in 2025:

  • Lowest-cost silver plan: $479
  • Second-lowest-cost silver plan: $485

What are the enrollment statistics for Mississippi health insurance?

  • Individual health insurance. 338,159 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 98% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 599,964 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 647,225 beneficiaries of Medicare in Mississippi.

Mississippi health insurance resources

  • Health Help Mississippi. Assists residents insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

Missouri

Where do I shop for insurance in Missouri?

Missouri residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Missouri?

November 1, 2025 - January 15, 2026

Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

Outside of that window, Missouri residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Missouri

  • Bankers Reserve Life Insurance Co (Ambetter)
  • Anthem
  • Blue Cross and Blue Shield of Kansas City
  • Celtic Insurance Company (Ambetter)
  • Cox Health Systems Insurance
  • Healthy Alliance Life Insurance Company
  • Medica Insurance Company
  • Oscar Insurance Company
  • SSM Health Insurance Company
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Missouri?

The preliminary average monthly premium for all plans in Missouri in 2026 is $762, an increase of 22.76%% (or $141) from 2025.

According to KFF, here were the average monthly premiums in Missouri for a 40-year-old in 2025:

  • Lowest-cost silver plan: $484
  • Second-lowest-cost silver plan: $489

What are the enrollment statistics for Missouri health insurance?

  • Individual health insurance. Over 417,000 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,251,938 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,347,117 beneficiaries of Medicare in Missouri.

Missouri health insurance resources

Montana

Where do I shop for insurance in Montana?

Montana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Montana?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Montana residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Montana

  • Blue Cross and Blue Shield of Montana
  • Mountain Health Cooperative
  • PacificSource Health Plans

What are the 2026 insurance rates for Montana?

The final monthly average premium for all plans in Montana in 2026 is $773, an increase of 21.92% (or $139) from 2025.

According to KFF, here were the average monthly premiums in Montana for a 40-year-old in 2025:

  • Lowest-cost silver plan: $540
  • Second-lowest-cost silver plan: $554 

What are the enrollment statistics for Montana health insurance?

  • Individual health insurance. 77,221 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 88.97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 218,838 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 266,646 beneficiaries of Medicare in Montana.

Montana health insurance resources

 

N

Nebraska

Where do I shop for insurance in Nebraska?

The state oversees certain aspects of plans, but Nebraska residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Nebraska?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Nebraska residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Nebraska

  • Ambetter
  • Blue Cross and Blue Shield of Nebraska
  • Medica Insurance Company
  • Oscar Insurance Company
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Nebraska? 

The preliminary monthly average premium for all plans in Nebraska in 2026 is $826, an increase of 20.2% (or $139) from 2025.

According to KFF, here were the average monthly premiums in Nebraska for a 40-year-old in 2025:

  • Lowest-cost silver plan: $595
  • Second-lowest-cost silver plan: $600

What are the enrollment statistics for Nebraska health insurance?

  • Individual health insurance. 136,684 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95.07% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 343,735 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 389,572 beneficiaries of Medicare in Nebraska.

Nebraska health insurance resources

Nevada

Where do I shop for insurance in Nevada?

Nevada residents use the state-based exchange, Nevada Health Link.

When is Open Enrollment for Nevada?

November 1, 2025 - January 15, 2026

For coverage beginning January 1, you must enroll by December 31. Coverage purchased by January 15 will start on February 1.

Outside of that window, Nevada residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Nevada

  • Anthem
  • Health Plan of Nevada
  • HMO Colorado (HMO Nevada)
  • Hometown Health Plan
  • Hometown Health Providers Insurance Company
  • Imperial Insurance Companies
  • Molina Healthcare of Nevada
  • Rocky Mountain Hospital and Medical Service
  • SelectHealth
  • Sierra Health and Life Insurance Company
  • SilverSummit Healthplan (Ambetter)

What are the 2026 insurance rates for Nevada?

The final average monthly premium for all plans in Nevada for 2026 is $679, an increase of 22.3% (or $124) from 2025.

According to KFF, here were the average monthly premiums in Nevada for a 40-year-old in 2025:

  • Lowest-cost silver plan: $413
  • Second-lowest-cost silver plan: $414

What are the enrollment statistics for Nevada health insurance?

  • Individual health insurance. 110,687 residents enrolled in health insurance plans during the 2025 Open Enrollment Period. Of these, 86.84% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 766,543 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 613,472 beneficiaries of Medicare in Nevada.

Nevada health insurance resources

New Hampshire

Where do I shop for insurance in New Hampshire?

The state oversees plans, but New Hampshire residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for New Hampshire?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Hampshire residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in New Hampshire

  • Anthem Health Plans of NH
  • Boston Medical Center Health Plan
  • Celtic Insurance Company (Ambetter)
  • Harvard Pilgrim Healthcare
  • Matthew Thornton Health Plan (Anthem BCBS)

What are the 2026 insurance rates for New Hampshire?

The preliminary average monthly premium for all plans in New Hampshire for 2026 is $574, an increase of 22.39% (or $105) from 2025.

According to KFF, here were the average monthly premiums in New Hampshire for a 40-year-old in 2025:

  • Lowest-cost silver plan: $320
  • Second-lowest-cost silver plan: $325

What are the enrollment statistics for New Hampshire health insurance?

  • Individual health insurance. 70,337 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 70.74% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 187,021 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 351,889 beneficiaries of Medicare in New Hampshire.

New Hampshire health insurance resources

New Jersey

Where do I shop for insurance in New Jersey?

New Jersey uses its own state-based exchange, GetCoveredNJ.

When is Open Enrollment for New Jersey?

November 1, 2025 - January 31, 2026

Residents who enroll by December 31 will have coverage starting January 1. Residents who enroll in January will have coverage starting February 1. Outside of that window, New Jersey residents with qualifying events can still enroll or make changes to their coverage for 2026.

Residents who chose auto-renewal for an existing plan will be automatically enrolled in the same health plan at open enrollment.

Participating insurance carriers in New Jersey

  • Ambetter
  • AmeriHealth HMO
  • AmeriHealth Insurance Company of New Jersey
  • Horizon Healthcare Services
  • Oscar Garden State Insurance Corporation
  • UnitedHealthcare
  • WellCare Health Insurance Company of New Jersey (Ambetter)

What are the 2026 insurance rates for New Jersey?

The preliminary average monthly premium for all plans in New Jersey for 2026 is $773, an increase of 14.92% (or $100) from 2025.

According to KFF, here were the average monthly premiums in New Jersey for a 40-year-old in 2025:

  • Lowest-cost silver plan: $482
  • Second-lowest-cost silver plan: $492

What are the enrollment statistics for New Jersey health insurance?

  • Individual health insurance. 513,217 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2025 Open Enrollment Period. Of these, 90.12% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,808,396 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,798,348 beneficiaries of Medicare in New Jersey.

New Jersey health insurance resources

New Mexico

Where do I shop for insurance in New Mexico?

New Mexico residents use the state exchange, BeWellnm.

When is Open Enrollment for New Mexico?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Mexico residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in New Mexico

  • Blue Cross Blue Shield of New Mexico
  • Molina Healthcare of New Mexico
  • Presbyterian Health Plan
  • UnitedHealthcare of New Mexico

What are the 2026 insurance rates for New Mexico? 

The final average monthly premium for all plans in New Mexico for 2026 is $892, an increase of 35.7% (or $235) from 2025.

According to KFF, here were the average monthly premiums in New Mexico for a 40-year-old in 2025:

  • Lowest-cost silver plan: $500
  • Second-lowest-cost silver plan: $515

What are the enrollment statistics for New Mexico health insurance?

  • Individual health insurance. 70,373 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2025 Open Enrollment Period. Of these, 85.29% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 702,063 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 468,576 beneficiaries of Medicare in New Mexico.

New Mexico health insurance resources

New York

Where do I shop for insurance in New York?

New York uses its own state-based marketplace, the New York State of Health.

When is Open Enrollment for New York?

November 1, 2025 - January 31, 2026

As long as residents enroll by December 15, their coverage will begin on January 1. The deadline for a February 1 effective date is January 15, and individuals must purchase coverage by January 31 for a March 1 effective date.

Outside of that window, New York residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in New York

  • Anthem HP
  • CDPHP
  • Health Insurance Plan of Greater New York (EmblemHealth) 
  • Healthfirst PHSP
  • Highmark NY
  • Independent Health Benefits Corporation
  • MetroPlus
  • MVP Health Plan
  • New York Quality Healthcare Corporation (Fidelis Care)
  • Oscar Insurance Corporation 
  • UnitedHealthcare, UHIC

What are the 2026 insurance rates for New York?

The final average monthly premium for all plans in New York for 2026 is $847, an increase of 7.1% (or $56) from 2025.

According to KFF, here were the average monthly premiums in New York for a 40-year-old in 2025:

  • Lowest-cost silver plan: $766
  • Second-lowest-cost silver plan: $790

What are the enrollment statistics for New York health insurance?

  • Individual health insurance. 221,534 were enrolled in qualified health plans (QHPs) during the 2025 Open Enrollment Period. Of these, 63.38% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 6,606,942 were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, 3,976,432 beneficiaries of Medicare in New York.

New York health insurance resources

North Carolina

Where do I shop for insurance in North Carolina?

North Carolina residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for North Carolina?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Carolina residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in North Carolina

  • Ambetter of North Carolina
  • AmeriHealth Caritas North Carolina
  • Blue Cross and Blue Shield of NC
  • CareSource North Carolina
  • Cigna HealthCare of North Carolina
  • Oscar Health Plan of North Carolina
  • UnitedHealthcare of North Carolina

What are the 2026 insurance rates for North Carolina?

The final average monthly premium for all plans in North Carolina for 2026 is $814, an increase of 27.75% (or $177) from 2025.

According to KFF, here were the average monthly premiums in North Carolina for a 40-year-old in 2025:

  • Lowest-cost silver plan: $502
  • Second-lowest-cost silver plan: $507

What are the enrollment statistics for North Carolina health insurance?

  • Individual health insurance. 975,110 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2025 Open Enrollment Period. Of these, 94.29% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 2,881,447 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 2,264,027 beneficiaries of Medicare in North Carolina.

North Carolina health insurance resources

  • North Carolina Institute of Medicine (NCIOM) helps shape health policy in North Carolina by identifying solutions to the state’s health challenges.
  • Legal Aid of North Carolina is a statewide nonprofit law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.

North Dakota

Where do I shop for insurance in North Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for North Dakota?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Dakota residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in North Dakota

  • Blue Cross Blue Shield of North Dakota
  • Medica Health Plans
  • Sanford Health Plan

What are the 2026 insurance rates for North Dakota?

The preliminary average monthly premium for all plans in North Dakota for 2026 is $609, an increase of 4.09% (or $24) from 2025.

According to KFF, here were the average monthly premiums in North Dakota for a 40-year-old in 2025:

  • Lowest-cost silver plan: $524
  • Second-lowest-cost silver plan: $537

What are the enrollment statistics for North Dakota health insurance?

  • Individual health insurance. 42,901 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 90.74% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 107,330 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 150,687 beneficiaries of Medicare in North Dakota.

North Dakota health insurance resources

 

O

Ohio

Where do I shop for insurance in Ohio?

Ohio residents will shop for health insurance on the federal exchange at HealthCare.gov.

When is Open Enrollment for Ohio?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Ohio residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Ohio

  • Antidote Health Plan of Ohio
  • Buckeye Community Health Plan (Ambetter)
  • CareSource
  • Community Insurance Company
  • Medical Health Insuring Corp of Ohio (MedMutual)
  • Molina Healthcare of Ohio
  • Oscar Buckeye State Insurance Corporation
  • Oscar Insurance Corporation of Ohio
  • Paramount Insurance Company, Summa Insurance Company
  • The Health Plan of West Virginia
  • UnitedHealthcare of Ohio

What are the 2026 insurance rates for Ohio?

The final average monthly premium for all plans in Ohio for 2026 is $695, an increase of 19.84% (or $115) from 2025.

According to KFF, here were the average monthly premiums in Ohio for a 40-year-old in 2025:

  • Lowest-cost silver plan: $437
  • Second-lowest-cost silver plan: $441

What are the enrollment statistics for Ohio health insurance?

  • Individual health insurance. 583,443 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 90.80% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 2,797,622 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 2,563,567 beneficiaries of Medicare in Ohio.

Ohio health insurance resources

Oklahoma

Where do I shop for insurance in Oklahoma?

Oklahoma residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Oklahoma?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oklahoma residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Oklahoma

  • Blue Cross Blue Shield of Oklahoma
  • Celtic Insurance Company (Ambetter)
  • CommunityCare HMO
  • Medica Insurance Company
  • Mending Health
  • Oscar Insurance Company
  • UnitedHealthcare of Oklahoma

What are the 2026 insurance rates for Oklahoma?

The preliminary average monthly premium for all plans in Oklahoma for 2026 is $771, an increase of 25.15% (or $155) from 2025.

According to KFF, here were the average monthly premiums in Oklahoma for a 40-year-old in 2025:

  • Lowest-cost silver plan: $493
  • Second-lowest-cost silver plan: $501

What are the enrollment statistics for Oklahoma health insurance?

  • Individual health insurance. 307,989 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 96.35% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,010,069 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 814,319 beneficiaries of Medicare in Oklahoma.

Oklahoma health insurance resources

Oregon

Where do I shop for insurance in Oregon?

Oregon has a federal-state partnership exchange. Residents use the federal exchange to enroll: HealthCare.gov.

When is Open Enrollment for Oregon?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oregon residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Oregon

  • BridgeSpan Health 
  • Kaiser Foundation Healthplan of the NW (Kaiser Permanente)
  • Moda Health Plan
  • PacificSource Health Plans
  • Providence Health Plan
  • Regence BlueCross BlueShield of Oregon

What are the 2026 insurance rates for Oregon?

The preliminary average monthly premium for all plans in Oregon for 2026 is $763, an increase of 9.67% (or $67) from 2025.

According to KFF, here were the average monthly premiums in Oregon for a 40-year-old in 2025:

  • Lowest-cost silver plan: $497
  • Second-lowest-cost silver plan: $510

What are the enrollment statistics for Oregon health insurance?

  • Individual health insurance. 139,688 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 79.91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,319,921 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 955,697 beneficiaries of Medicare in Oregon.

Oregon health insurance resources

 

P - S

Pennsylvania

Where do I shop for insurance in Pennsylvania?

Pennsylvania runs its own state-based marketplace, Pennie. GetInsured has a seven-year contract to run the exchange and call center.

When is Open Enrollment for Pennsylvania?

November 1, 2025 - January 15, 2026

December 15 is the last date residents can enroll for insurance that starts January 1. January 15 is the last date residents can enroll for insurance that starts February 1.

Outside of that window, Pennsylvania residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Pennsylvania

  • Ambetter Health
  • Capital Advantage Assurance Company (Capital Blue)
  • Geisinger Health Plan
  • Geisinger Quality Options
  • Highmark Benefits Group (my Priority Blue)
  • Highmark Coverage Advantage (Together Blue)
  • Highmark (my Direct Blue)
  • Independence Blue Cross
  • Jefferson Health Plan
  • Keystone Health Plan Central
  • Keystone Health Plan East
  • Oscar Health Plan of Pennsylvania
  • Partners Insurance Company (Jefferson Health Plans)
  • QCC Insurance Company
  • UPMC Health Options
  • UPMC Health Plan

What are the 2026 insurance rates for Pennsylvania?

The preliminary average monthly premium for all plans in Pennsylvania for 2026 is $785, an increase of 19.81% (or $130) from 2025.

According to KFF, here were the average monthly premiums in Pennsylvania for a 40-year-old in 2025:

  • Lowest-cost silver plan: $441
  • Second-lowest-cost silver plan: $461

What are the enrollment statistics for Pennsylvania health insurance?

  • Individual health insurance. 496,661 residents enrolled in qualified health plans (QHPs) through the Pennsylvania state exchange during the 2025 Open Enrollment Period. Of these enrollees, 86.49% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 3,077,895 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 2,984,814 beneficiaries of Medicare in Pennsylvania.

Pennsylvania health insurance resources

Rhode Island

Where do I shop for insurance in Rhode Island?

Rhode Island residents use the state-based exchange HealthSource RI.

When is Open Enrollment for Rhode Island?

November 1, 2025 - January 31, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside of that window, Rhode Island residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Rhode Island

  • Blue Cross & Blue Shield of Rhode Island
  • Neighborhood Health Plan of Rhode Island

What are the 2026 insurance rates for Rhode Island?

The final average monthly premium for all plans in Rhode Island for 2026 is $687, an increase of 21% (or $119) from 2025.

According to KFF, here were the average monthly premiums in Rhode Island for a 40-year-old in 2025:

  • Lowest-cost silver plan: $404
  • Second-lowest-cost silver plan: $425

What are the enrollment statistics for Rhode Island health insurance?

  • Individual health insurance. 42,117 residents enrolled in qualified health plans (QHPs) during the 2025 Open Enrollment Period. Of these, 87.84% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 317,946 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 247,136 beneficiaries of Medicare in Rhode Island.

Rhode Island health insurance resources

  • The Rhode Island Department of Insurance regulates health insurance companies, agents, and brokers.
  • Rhode Island Senior Health Insurance Benefits Advisors (SHIBA) provides information and education for Medicare beneficiaries and their caregivers.
  • Medicare Rights Center offers assistance with Medicare-related questions.
  • Rhode Island Medicaid provides healthcare benefits for low-income Rhode Island residents.

South Carolina

Where do I shop for insurance in South Carolina?

South Carolina residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for South Carolina?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Carolina residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in South Carolina

  • Absolute Total Care (Ambetter)
  • BlueChoice HealthPlan
  • BlueCross BlueShield of SC
  • Celtic Insurance Company (Ambetter)
  • InStil Health Insurance Company
  • Molina Healthcare of South Carolina
  • Select Health of South Carolina
  • UnitedHealthcare of South Carolina

What are the 2026 insurance rates for South Carolina?

The preliminary average monthly premium for all plans in South Carolina for 2026 is $709, an increase of 23.99% (or $137) from 2025.

According to KFF, here were the average monthly premiums in South Carolina for a 40-year-old in 2025:

  • Lowest-cost silver plan: $469
  • Second-lowest-cost silver plan: $471

What are the enrollment statistics for South Carolina health insurance?

  • Individual health insurance. 631,948 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95.33% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,020,041 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,250,903 beneficiaries of Medicare in South Carolina.

South Carolina health insurance resources

South Dakota

Where do I shop for insurance in South Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for South Dakota?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Dakota residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in South Dakota

  • Avera Health Plans
  • Sanford Health Plan
  • Wellmark of South Dakota

What are the 2026 insurance rates for South Dakota?

The final average monthly premium for all plans in South Dakota for 2026 is $735, an increase of 6.37% (or $44) from 2025.

According to KFF, here were the average monthly premiums in South Dakota for a 40-year-old in 2025:

  • Lowest-cost silver plan: $616
  • Second-lowest-cost silver plan: $619

What are the enrollment statistics for South Dakota health insurance?

  • Individual health insurance. 54,721 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 94.49% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 140,819 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 201,786 beneficiaries of Medicare in South Dakota.

South Dakota health insurance resources

 

T - V

Tennessee

Where do I shop for insurance in Tennessee?

Tennessee residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Tennessee?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Tennessee residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Tennessee

  • Alliant Health Plans
  • BlueCross BlueShield of Tennessee
  • Celtic Insurance Company (Ambetter)
  • Cigna Health and Life Insurance Company
  • Oscar Insurance Company
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Tennessee?

The preliminary average monthly premium for all plans in Tennessee for 2026 is $856, an increase of 34.98% (or $222) from 2025.

According to KFF, here were the average monthly premiums in Tennessee for a 40-year-old in 2025:

  • Lowest-cost silver plan: $513
  • Second-lowest-cost silver plan: $516

What are the enrollment statistics for Tennessee health insurance?

  • Individual health insurance. 642,867 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,439,118 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,498,681 beneficiaries of Medicare in Tennessee.

Tennessee health insurance resources

Texas

Where do I shop for health insurance in Texas?

Residents enroll on the federal exchange at HealthCare.gov

When is Open Enrollment for Texas?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Texas residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Texas

  • Access to Care Health Plan
  • Baylor Scott & White Health Plan
  • Baylor Scott & White Insurance Company
  • Blue Cross Blue Shield of Texas
  • Celtic Insurance Company (Ambetter)
  • Cigna HealthCare of Texas
  • Community First Insurance Plans (University Community)
  • Community Health Choice Texas
  • Community Health Choice
  • Imperial Insurance Companies
  • Moda Health Plan
  • Molina Healthcare of Texas
  • Oscar Insurance Company
  • Sendero Health Plans
  • Superior Health Plan (Ambetter)
  • UnitedHealthcare of Texas
  • Wellpoint Insurance Company

What are the 2026 insurance rates for Texas?

The preliminary average monthly premium for all plans in Texas for 2026 is $751, an increase of 31.06% (or $178) from 2025.

According to KFF, here were the average monthly premiums in Texas for a 40-year-old in 2025:

  • Lowest-cost silver plan: $482
  • Second-lowest-cost silver plan: $489

What are the enrollment statistics for Texas health insurance?

  • Individual health insurance. 3,966,226 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95.34% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 4,204,878 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 4,865,186 beneficiaries of Medicare in Texas.

Key healthcare legislation

Texas only has legislative sessions in odd-numbered years. The following summarizes key healthcare legislation:

  • Transparency about specialists working at in-network facilities and prior authorization: SB1742 requires health plan provider directories to clearly state whether specialists practicing at in-network facilities are also in-network. The law also requires providers to offer a readily available list of services that are subject to prior authorization requirements and information about the provider’s total volume of prior authorization requirements and denials.
  • Surprise balance billing for fully insured plans. SB1264 requires the insurer and the out-of-network provider to work out the payment arrangements without involving the patient. Instead of billing the patient for amounts above their normal cost-sharing requirements, the out-of-network provider has to use a state-regulated mediation/arbitration process to work out a payment amount with the patient’s insurer. SB1037 ensures that surprise balance bills that are sent to collections won’t show up on the person’s credit report.

Texas health insurance resources

Utah

Where do I shop for insurance in Utah?

Utah residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Utah?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Utah residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Utah

  • BridgeSpan Health
  • Imperial Health Plan of the Southwest
  • Molina Healthcare of Utah
  • Regence BlueCross BlueShield of Utah
  • SelectHealth
  • University of Utah Health Insurance Plans

What are the 2026 insurance rates for Utah?

The preliminary average monthly premium for all plans in Utah for 2026 is $587, an increase of 14.15% (or $73) from 2025.

According to KFF, here were the average monthly premiums in Utah for a 40-year-old in 2025:

  • Lowest-cost silver plan: $532
  • Second-lowest-cost silver plan: $547

What are the enrollment statistics for Utah health insurance?

  • Individual health insurance. 421,890 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95.75% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 340,844 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 475,450 beneficiaries of Medicare in Utah.

Utah health insurance resources

Vermont

Where do I shop for insurance in Vermont?

Vermont residents use the state-based exchange Vermont Health Connect.

When is Open Enrollment for Vermont?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Vermont residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Vermont

  • Blue Cross Blue Shield of Vermont
  • MVP Health Plan

What are the 2026 insurance rates for Vermont?

The final average monthly premium for all plans in Vermont for 2026 is $1,139, an increase of 6.71% (or $72) from 2025.

According to KFF, here were the average monthly premiums in Vermont for a 40-year-old in 2025:

  • Lowest-cost silver plan: $1,275
  • Second-lowest-cost silver plan: $1,277

What are the enrollment statistics for Vermont health insurance?

  • Individual health insurance. 32,862 residents enrolled in health insurance plans during the 2025 Open Enrollment. Of these, 92.69% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 156,150 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 167,480 beneficiaries of Medicare in Vermont.

Vermont health insurance resources

Virginia

Where do I shop for insurance in Virginia?

Virginia residents used the federal exchange, HealthCare.gov, until October 2023. Virginia moved to a state-based exchange called Virginia's Insurance Marketplace on October 10, 2023.

When is Open Enrollment for Virginia?

November 1, 2025 - January 30, 2026

People who enroll by December 15 will begin coverage on January 1. The deadline for a February 1 effective date is January 15, and individuals must purchase coverage by January 30 for a March 1 effective date.

Outside of that window, Virginia residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Virginia

  • Anthem Health Plans of Virginia
  • CareFirst BlueChoice
  • Cigna Health and Life
  • Group Hospitalization and Medical Services
  • HealthKeepers
  • Kaiser Foundation Health Plan of the Mid-Atlantic States (Kaiser Permanente)
  • Optimum Choice
  • Oscar Insurance Company
  • Sentara Health Plans

What are the 2026 insurance rates for Virginia?

The final average monthly premium for all plans in Virginia for 2026 is $594, an increase of 21.6% (or $105) from 2025.

According to KFF, here were the average monthly premiums in Virginia for a 40-year-old in 2025:

  • Lowest-cost silver plan: $368
  • Second-lowest-cost silver plan: $372

What are the enrollment statistics for Virginia health insurance?

  • Individual health insurance. 388,856 residents enrolled in qualified health plans (QHPs) through the state marketplace during the 2025 Open Enrollment Period. Of these, 86.22% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,754,761 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,715,506 beneficiaries of Medicare in Virginia.

Virginia health insurance resources

 

W

Washington

Where do I shop for health insurance in Washington state?

Residents enroll on the state exchange: Washington Healthplanfinder.

When is Open Enrollment for Washington?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Washington residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Washington

The following carriers offer plans on the Washington exchange:

  • Asuris Northwest Health
  • BridgeSpan Health
  • Community Health Plan of Washington
  • Coordinated Care Corporation (Ambetter)
  • Kaiser Foundation Health Plan of Washington (Kaiser Permanente)
  • Kaiser Foundation Healthplan of the NW (Kaiser Permanente)
  • LifeWise Health Plan of WA
  • Molina Healthcare of Washington
  • Premera Blue Cross
  • Providence Health Plan
  • Regence BlueShield
  • Regence Blue Cross Blue Shield of Oregon
  • UnitedHealthcare of Oregon 
  • Wellpoint Washington

What are the 2026 insurance rates for Washington?

The final average monthly premium for all plans in Washington for 2026 is $761, an increase of 21% (or $132) from 2025.

According to KFF, here were the average monthly premiums in Washington for a 40-year-old in 2025:

  • Lowest-cost silver plan: $416
  • Second-lowest-cost silver plan: $434

Washington offers first-in-the-nation public option

In 2019, Washington enacted S.B.5526, which ordered the creation of a “public option” health insurance plan in Washington by 2021. To do this, Washington contracts private health insurance companies to offer qualified health plans at the bronze, silver, and gold levels in the Washington exchange.

The plans, dubbed “Cascade Care,” offer standardized benefits, capping provider reimbursements at 160% of the Medicare reimbursement amounts. There are exceptions to this cap for rural hospitals, which will be guaranteed at least 101 percent of Medicare-approved costs, rural primary care providers, who are guaranteed at least 135 percent of Medicare rates, and instances in which the plan can’t develop an adequate network under the prescribed reimbursement constraints.)

What are the enrollment statistics for Washington health insurance?

  • Individual health insurance. 308,227 residents enrolled in health insurance during 2025 Open Enrollment. Of these, 72.78% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid/CHIP. As of May 2025, 1,807,787 Washington residents enrolled in Medicaid/CHIP.
  • Medicare. As of June 2025, there were 1,548,040 Washington residents with Medicare coverage. 

West Virginia

Where do I shop for insurance in West Virginia?

The state oversees all plans sold, but West Virginia residents use the federal exchange to enroll: HealthCare.gov.

When is Open Enrollment for West Virginia?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, West Virginia residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in West Virginia

  • CareSource West Virginia
  • Highmark Blue Cross Blue Shield West Virginia
  • The Health Plan of West Virginia

What are the 2026 insurance rates for West Virginia?

The preliminary average monthly premium for all plans in West Virginia for 2026 is $1,302, an increase of 11.31% (or $132) from 2025.

According to KFF, here were the average monthly premiums in West Virginia for a 40-year-old in 2025:

  • Lowest-cost silver plan: $908
  • Second-lowest-cost silver plan: $919

What are the enrollment statistics for West Virginia health insurance?

  • Individual health insurance. 67,113 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 97.08% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 503,031 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 454,167 beneficiaries of Medicare in West Virginia.

West Virginia health insurance resources

Wisconsin

Where do I shop for insurance in Wisconsin?

Wisconsin residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Wisconsin?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wisconsin residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Wisconsin

  • Aspirus Health Plan
  • Common Ground Healthcare Cooperative
  • Compcare Health Serv Insurance Corporation (Anthem BCBS)
  • Dean Health Plan
  • Group Health Cooperative of South Central Wisconsin
  • HealthPartners Insurance Company
  • Medica Community Health Plan
  • MercyCare HMO
  • Molina Healthcare of Wisconsin
  • Network Health
  • Quartz Health Benefit Plans
  • Security Health Plan of Wisconsin
  • UnitedHealthcare of Wisconsin
  • Wisconsin Physicians Service Insurance Corporation

What are the 2026 insurance rates for Wisconsin?

The preliminary average monthly premium for all plans in Wisconsin for 2026 is $824, an increase of 19.91% (or $137) from 2025.

According to KFF, here were the average monthly premiums in Wisconsin for a 40-year-old in 2025:

  • Lowest-cost silver plan: $487
  • Second-lowest-cost silver plan: $495

What are the enrollment statistics for Wisconsin health insurance?

  • Individual health insurance. 313,579 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 88.9% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 1,143,506 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 1,340,054 beneficiaries of Medicare in Wisconsin.

Wisconsin health insurance resources

Wyoming

Where do I shop for insurance in Wyoming?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for Wyoming?

November 1, 2025 - January 15, 2026

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wyoming residents with qualifying events can still enroll or make changes to their coverage for 2026.

Participating insurance carriers in Wyoming

  • Blue Cross Blue Shield of Wyoming
  • Mountain Health Cooperative
  • UnitedHealthcare Insurance Company

What are the 2026 insurance rates for Wyoming?

The preliminary average monthly premium for all plans in Wyoming for 2026 is $1,224, an increase of 21.68% (or $218) from 2025.

According to KFF, here were the average monthly premiums in Wyoming for a 40-year-old in 2025:

  • Lowest-cost silver plan: $858
  • Second-lowest-cost silver plan: $871

What are the enrollment statistics for Wyoming health insurance?

  • Individual health insurance. 46,643 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2025 Open Enrollment Period. Of these, 95.24% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
  • Medicaid and CHIP. As of May 2025, 62,762 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2025, there were 130,011 beneficiaries of Medicare in Wyoming.

Wyoming health insurance resources

When will my health insurance coverage start?

If you enroll by December 15, your coverage begins on January 1. However, if you miss the December 15 deadline, your health coverage might be delayed. If you enroll in a plan after December 15 but on or before January 15, your coverage will begin on February 1 in most states.

Which states have their own health insurance exchanges for 2026 Open Enrollment?

Most states use the federal Health Insurance Marketplace for Open Enrollment. However, some states run their own public exchanges. If you live in a state with its own exchange, you can use your state exchange to enroll in marketplace coverage. You can also always use a private exchange, such as enrolling in a policy directly from a carrier.

The following states run a state-based exchange:

Can I get health insurance after Open Enrollment?

Open Enrollment isn't the only time you can sign up for health insurance. If you experience a qualifying life event, you may be eligible for a special enrollment period. This generally only happens if you lose coverage, experience a change in family status, such as turning 26 or getting married, have a child, or move to a new state or ZIP code. 

Read our article on special enrollment periods to learn more.

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