Most people can only buy a plan during . For 2026 coverage, this window runs from November 1, 2025, to January 15, 2026 .
Coverage begins January 1, 2026.
You can complete the entire process through the official HealthCare.gov website or your state’s specific exchange. When can you get health insurance? | HealthCare.gov how to buy obamacare
Coverage begins February 1, 2026. Note: Some states like California, New York, and Most people can only buy a plan during