DIFS Highlights Open Enrollment on the Health Insurance Marketplace

Media Contact: [email protected]
Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: November 10, 2026

(LANSING, MICH) The annual Health Insurance Marketplace open enrollment period is underway, and the Michigan Department of Insurance and Financial Services (DIFS) Director Anita Fox are reminding Michiganders that free local assistance is available to help them get the insurance coverage they need. Open enrollment began on November 1, 2026, and runs through January 15, 2027. For coverage to begin January 1, 2027, sign up by December 15, 2026.

"Health insurance is not just for when you're sick or hurt, but also to help you stay healthy. Access to high-quality, comprehensive health insurance leads to better health outcomes for Michiganders and their families," said DIFS Director Anita Fox. "If you need health insurance for 2027, now is the time to sign up for a plan during open enrollment at HealthCare.gov. If you have questions, call DIFS at 877-999-6442, Monday through Friday from 8 a.m. to 5 p.m., or visit Michigan.gov/HealthInsurance for more information."

Open enrollment for 2027 health insurance runs from November 1, 2026, through January 15, 2027. Consumers must select a plan by December 15, 2026, for coverage to start on January 1, 2027. Coverage for consumers who enroll between December 15, 2026, and January 15, 2027, will begin on February 1, 2027. Consumers who miss these deadlines will, in most instances, have to wait until the next open enrollment period in 2027 to obtain coverage.

Michiganders can shop for a health plan by visiting the Health Insurance Marketplace or by calling 800-318-2596 (TTY: 1-855-889-4325). During open enrollment for 2027 coverage, consumers will have options to choose from, as 143 health plans will be available on the Marketplace. For the overall individual market, which includes off-Marketplace plans, 201 plans will be available. Consistent with past years, Michigan's final rate increase falls well below the national average. For questions about health coverage, visit Michigan.gov/HealthInsurance or call DIFS 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

DIFS has 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.

Open Enrollment navigators are also available to provide free, local assistance to consumers who need help signing up for health coverage. For assistance, visit HealthCare.gov/LocalHelp or call 800-318-2596.

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. Translation services are available for individuals with limited English proficiency who contact the Department. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

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