How to Prepare for ACA Open Enrollment (OEP)

How to Prepare for ACA Open Enrollment (OEP)

The Open Enrollment Period (OEP) for ACA (Affordable Care Act) health insurance runs from November 1 to January 15. This is your window to enroll in a new plan, renew your current one, or make changes to better fit your needs for 2026.

Here’s how to get ready:

1. Review Your Current Coverage

Take a moment to think about how your plan worked for you this year. Were your doctors in-network? Did your prescriptions cost more than expected? Make a list of what worked — and what didn’t.

2. Update Your Information

We will need the following:

• A list of your current prescriptions (with dosage)

• Names of your doctors and specialists

  
  

• Preferred pharmacies

  
  

This helps us match you with the best plans available.

3. Watch for Your ANOC

If you’re currently enrolled in a plan, your carrier will send you an Annual Notice of Changes (ANOC) in late September. It outlines any changes in your coverage or costs. Don’t ignore it — these changes could affect your care in 2026.

4. Stay Alert for Scam Communications

OEP is a popular time for scammers to target consumers with misleading calls, emails, and ads. If something seems off, check with your trusted agent before responding.

5. Be Ready to Schedule Your Appointment

We’ll begin sending notices soon to schedule an appointment to review your coverage.  Appointments can start after October 1.  Keep an eye out for communications from us so we can help you review your options and find the best fit.

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Need help or have questions?

We’re here to guide you through the process and make sure you’re confident in your 2026 coverage. Give us a call!