Don’t Wait: Only a Few Days Remaining to Buy Marketplace Health Plan Coverage That Starts January 1, 2026

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Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: December 8, 2025

(LANSING, MICH) Michigan Department of Insurance and Financial Services (DIFS) is reminding Michiganders that the deadline to purchase Health Insurance Marketplace coverage to begin on January 1, 2026, is December 15, 2025. While Michiganders can enroll until January 15, 2026, coverage for plans selected after December 15 will not start until February 1, 2026.

"To ensure that you and your family begin the New Year with high-quality, comprehensive health insurance, enroll in a Marketplace health plan by December 15," said DIFS Director Anita Fox. "Even if you are satisfied with your current health plan, it pays to shop around to make sure you are getting the right coverage at the best price. For more information on how to get started, call DIFS at 877-999-6442 from Monday to Friday, 8 a.m. to 5 p.m., or visit Michigan.gov/HealthInsurance."

Open enrollment for 2026 health insurance began November 1, 2025 and runs through January 15, 2026. Consumers must select a plan no later than December 15, 2025 for coverage to start on January 1, 2026. Plans purchased between December 15, 2025 and January 15, 2026 will provide coverage starting February 1, 2026.

Michiganders can shop for a health plan by visiting the Health Insurance Marketplace or by calling 800-318-2596 (TTY: 1-855-889-4325). There is also free local enrollment help available by visiting LocalHelp.HealthCare.gov. During open enrollment for 2026 coverage, consumers are able to choose from 116 health plans on the Marketplace. For the overall individual market, which includes off-Marketplace plans, 191 plans are available.

To review available plans and rates, visit HealthCare.gov today and apply before Monday, December 15 to buy coverage that starts January 1, 2026. DIFS has also created an on-demand webinar designed to help consumers learn about signing up for a health plan on the Health Insurance Marketplace and provide resources to answer any questions. For more information about health insurance, visit Michigan.gov/HealthInsurance or call DIFS at 877-999-6442, 8 a.m. to 5 p.m. Monday through Friday.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

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