Open Enrollment by state guide, 2025-2026

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

• The Alabama Department of Insurance regulates health insurance companies, agents, and brokers.
• AIDS Alabama/Enroll Alabama is the federally-funded Navigator organization in Alabama.
• The Alabama State Health Insurance Assistance Program provides assistance and counseling for Medicare beneficiaries.
• Alabama Medicaid Agency
• All Kids – Alabama Public Health provides low-cost healthcare coverage for children and teens under age 19 who live in Alabama.

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

• The Arizona Department of Insurance regulates health insurance companies, agents, and brokers.
• Arizona Association of Community Health Centers (AACHC)/Arizona Alliance for Community Health Centers serve as Arizona’sfederally-funded Navigator organizationsthat help individuals and families enroll in health coverage through the exchange.
• Arizona Health Care Cost Containment System provides Medicaid health coverage to various low-income populations.
• Arizona State Health Insurance Assistance Program provides a variety of counseling, advice, and assistance with Medicare issues.

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

• Arkansas Center for Health Improvement is an organization dedicated to improving the health of Arkansans through evidence-based research, public issue advocacy, and collaborative program development.
• The Arkansas Insurance Department Consumer Services Division assists consumers with questions and complaints about insurance.
• ARKIDS 1ST provides health insurance for children.
• Arkansas Senior Health Insurance Information Program provides Medicare assistance.

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

• California Association of Health Plans. A statewide trade association representing 45 full-service healthcare plans that provide coverage to more than 25 million Californians.
• California Department of Health Care Services. The backbone of California’s healthcare safety net, helping millions of low-income and disabled Californians each and every day.
• California Department of Managed Health Care. Protects consumers’ healthcare rights and ensures a stable healthcare delivery system.
• California HealthCare Foundation. Agent for meaningful, measurable improvements in the way the health care delivery system provides care to the people of California, particularly those with low incomes and those whose needs are not well served by the status quo.
• California State Department of Insurance. The largest consumer protection agency in the state.
• Health Access California. A statewide healthcare consumer advocacy coalition advocating for quality, affordable healthcare for all Californians.

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

• Connecticut CHOICES Program. Enrollment assistance for Medicare beneficiaries
• The Connecticut Insurance Department regulates the state’s health insurance companies, brokers, and agents.
• Husky Healthcare. Health coverage for lower-income Connecticut residents.

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

• Delaware Healthy Children Program provides healthcare for children.
• Delaware Department of Insurance. Regulates insurance companies, brokers, and agents who sell policies in the state.
• Delaware Medical Assistance Portal is the state’s Medicaid site.
• Delaware Medicare Assistance Bureau provides local assistance for Medicare beneficiaries.

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.

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

• Georgia Department of Community Health (DCH). The lead agency for Medicaid also oversees the State Health Benefit Plan and Healthcare Facility Regulation Division (HFRD), impacting one in four Georgians.
• Office of Insurance and Safety Fire Commissioner. Regulates and licenses health insurance products sold in the state, as well as the brokers and agents who sell them.
• The Georgia Cares State Health Insurance Assistance Program provides counseling and assistance for Medicare beneficiaries and their caregivers.
• Georgia Association for Primary Health Care, Inc. (GAPHC). Serves as the state’s federally-funded Navigator organization, helping people enroll in private health plans or Medicaid on the exchange.

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

• The Idaho Department of Insurance regulates health insurance companies, agents, and brokers.
• Idaho Medicaid provides healthcare benefits for low-income Idaho residents.

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

• Indiana Department of Insurance. Regulates health insurance companies, brokers, and agents who sell plans.
• Affiliated Service Providers of Indiana, Inc. (ASPIN). The federally-funded Navigator organization in Indiana offers assistance for people enrolling in Medicaid or a private plan through the exchange.
• The Indiana State Health Insurance Assistance Information Program (SHIP) provides help and information to Medicare beneficiaries and their caregivers.

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.

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

• Kansas Insurance Department. Regulates insurance companies, agents, and brokers
• Senior Health Insurance Counseling for Kansas (SHICK) provides assistance for Medicare beneficiaries
• Kansas Department of Health, KanCare & Medicaid provides resources for lower-income Kansans
• KanCare managed care plans offer health insurance for children.

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

• Department of Health & Hospitals. Louisiana Department of Health.
• Louisiana Department of Insurance — Health Insurance Resources, regulates insurance companies, agents, and brokers who sell plans in the state.
• Louisiana Senior Health Insurance Information Program is a resource for Medicare beneficiaries.
• Louisiana Department of Health, Medicaid office

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

• The Maine Bureau of Insurance regulates health insurance companies, agents, and brokers.
• Maine State Health Insurance Assistance Program provides information and assistance for Medicare beneficiaries.

• 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

  • Children’s Medical Security Plan. Provides coverage for primary and preventive medical and dental services to uninsured children who do not qualify for any other MassHealth types of coverage other than MassHealth Limited.
  • Health Care for All – Massachusetts Consumer Assistance Program. Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
  • The Massachusetts Division of Insurance regulates health insurance companies, brokers, and agents.
  • Office of Patient Protection, Department of Public Health. Assists residents and other consumers who receive health coverage from a Massachusetts carrier, insurer, or HMO.
  • Massachusetts’ SHINE Program (Serving the Health Insurance Needs of Everyone) is the state’s Medicare counseling and assistance program.

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

• Michigan Department of Insurance and Financial Services. Regulates health insurance companies, brokers, and agents and serves as a resource for Michigan residents with health insurance questions or complaints.
• Arab Community Center for Economic & Social Services (ACCESS). The organization provides outreach and enrollment assistance to Michigan residents who need help obtaining health insurance.
• Michigan Medicare/Medicaid Assistance Program (MMAP) provides health benefits counseling and assistance to Medicare and Medicaid beneficiaries.

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

• The Minnesota Department of Human Services, Health Care Coverage provides Medicare and Medicaid assistance.
• The Minnesota State Health Insurance Assistance Program provides information and resources for Minnesota Medicare beneficiaries.

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.

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

• Missouri Department of Insurance. Regulates health insurance plans as well as the brokers and agents who sell the plans.
• Missouri HealthNet is the Medicaid office for Missouri.
• Missouri State Health Insurance Assistance Program (CLAIM) provides help for Missouri residents with Medicare benefits.

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

• First Choice Services is the federally-funded Navigator for Montana.
• Montana Medicaid and Health Montana Kids (HMK) Plus provides healthcare for children.
• Montana Medicare 101 provides information and assistance for Medicare beneficiaries.

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

• Nebraska Department of Insurance’s Affordable Care Act page offers assistance with enrollment and information on plan availability.
• Senior Health (SHIIP) provides enrollment advice and education for Medicare beneficiaries.

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

• The New Hampshire Insurance Department regulates insurance companies, agents, and brokers.
• Covering New Hampshire provides assistance with purchasing insurance.
• New Hampshire Medicaid program. 
• New Hampshire State Health Insurance Assistance Program is a local resource for Medicare beneficiaries.

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

• The New Jersey Department of Banking and Insurance, Insurance Division regulates insurance companies, brokers, and agents who sell insurance.
• The New Jersey State Health Insurance Assistance Program answers questions about Medicare in New Jersey.
• New Jersey Department of Human Services, Medicaid Office. 

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

• Health Action New Mexico is an organization working to empower consumers to build healthy communities and secure better healthcare for their families.
• The New Mexico Aging and Disability Resource Center provides resources for seniors and those with disabilities.
• The New Mexico Office of the Superintendent of Insurance regulates health insurance companies, brokers, and agents.

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

• Community Health Advocates is New York State’s designated healthcare consumer assistance program since 2010.
• Medicare Rights Center provides assistance and information to Medicare beneficiaries and their caregivers.

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.

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

• Children’s Health Insurance Program (North Dakota) provides health insurance for children in need.
• The North Dakota Insurance Department regulates health insurance companies, brokers, and agents that sell in the state.
• North Dakota State Health Insurance Counseling Program provides local assistance for Medicare beneficiaries.

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

• The Ohio Department of Insurance regulates Ohio health insurance companies, brokers, and agents.
• The Ohio Senior Health Insurance Information Program offers counseling, education, and assistance for Medicare beneficiaries and their caregivers.
• CAP4Kids, Columbus area (Children’s Advocacy Project), is a compilation of community resources aimed at improving the health of children.

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

• OregonHealthcare.gov is a state-run service that connects residents to health coverage options. However, residents must enroll on HealthCare.gov.
• The Oregon Division of Financial Regulation regulates health insurance companies, agents, and brokers.
• Oregon Senior Health Insurance Benefits Assistance provides information, and counseling to Medicare beneficiaries and their caregivers.

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

• The Pennsylvania Insurance Department oversees and regulates the health insurance companies that offer plans in the state and the brokers and agents that sell the plans.
• The Pennsylvania Department of Aging provides assistance for people with Medicare and their caregivers.
• Medicare Rights Center is a nationwide service that provides Medicare-related assistance and information.

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

• The South Carolina Department of Insurance regulates health insurance companies, agents, and brokers.
• The South Carolina Department on Aging provides information and assistance programs for Medicare beneficiaries.

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

• The Division of Insurance – South Dakota regulates health insurance companies, brokers, and agents that sell in the state.
• Medicare Rights Center is a national assistance program for Medicare beneficiaries.

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

• Family & Children’s Service is the federally-funded Navigator organization in Tennessee that can provide phone assistance with health insurance and Medicaid enrollment statewide.
• The Tennessee Department of Commerce and Insurance regulates health plans in Tennessee, as well as the agents and brokers who sell policies to Tennessee residents.
• Tennessee State Health Insurance Assistance Program (SHIP) for Medicare Participants offers assistance to Medicare beneficiaries and their caregivers.
• Medicare Rights Center provides information and assistance with Medicare-related questions.

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

• The Utah Insurance Department regulates health insurance companies, brokers, and agents.
• Utah Senior Services provides assistance and information for people regarding Medicare.

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

• The Vermont Department of Financial Regulation allows residents to file an insurance complaint.
• Vermont State Health Insurance Program provides assistance for Medicare beneficiaries.
• Medicare Rights Center provides assistance with Medicare-related questions.

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

• Cover Virginia is a state-run service that assists people enrolling in Medicaid or a private plan through the marketplace.
• Virginia’s Department of Medical Assistance Services
• The Virginia State Corporation Commission regulates health insurance companies, agents, and brokers. It runs Virginia’s new state-based exchange.
• Virginia Insurance Counseling and Assistance Program (VICAP) assists Medicare beneficiaries and their caregivers with Medicare coverage and enrollment.

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. 

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

• BadgerCare PLUS from the Department of Health provides services for lower-income residents.
• Black Health Coalition of Wisconsin is a group of local organizations and individuals whose collaborative goal is to address the health problems of black Americans.
• Medicaid for the Elderly, Blind, or Disabled provides services for residents on Medicaid.
• Medicare Counseling for Wisconsin Residents provides information and services for residents about Medicare.

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

• The Wyoming Department of Insurance regulates health insurance companies, insurance agents, and brokers in the state.
• The Wyoming State Health Insurance Information Program provides local information and assistance for Medicare beneficiaries.
• Medicare Rights Center is a national program with assistance for Medicare beneficiaries.