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Hey, Americans and people living in the US going through open enrollment on the state ACA marketplaces who haven't yet enrolled in a plan for 2026!
Just about every state in the union and DC (but not Idaho) proudly touts an end date to open enrollment sometime in January. This year for most states it ends January 15th, but in CA, NJ, NY, RI, and DC, it's January 31st, and here in Massachusetts, it's January 23rd. (Idaho's is December 15th.) [Source]
That sure sounds like the deadline is sometime in January.
No, it kinda isn't.
( tl;dr: Just assume if you want insurance to start Jan 1, the deadlines are to enroll by Dec 8 and to pay for the first month by Dec 15. Important deets within. [950 words] )
This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
Hey, Americans and people living in the US going through open enrollment on the state ACA marketplaces who haven't yet enrolled in a plan for 2026!
Just about every state in the union and DC (but not Idaho) proudly touts an end date to open enrollment sometime in January. This year for most states it ends January 15th, but in CA, NJ, NY, RI, and DC, it's January 31st, and here in Massachusetts, it's January 23rd. (Idaho's is December 15th.) [Source]
That sure sounds like the deadline is sometime in January.
No, it kinda isn't.
( tl;dr: Just assume if you want insurance to start Jan 1, the deadlines are to enroll by Dec 8 and to pay for the first month by Dec 15. Important deets within. [950 words] )
This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!

