Open Enrollment Deadlines Cheat Sheet for 2026

Open Enrollment Deadlines for 2026 by State

See specific deadlines for January 1, February 1, and March 1 coverage effective dates below. These dates are subject to change as some states extend or adjust their Open Enrollment periods.

Health Insurance Open Enrollment only comes once a year, and missing a key date could mean waiting months for coverage to begin. Not only that, but many states have specific cutoffs within the period that change when your effective date of coverage begins. The effective date of any policy is dependent on when your health insurance application is sent to the carrier.

Here’s a list of Open Enrollment deadlines for every state as well as specific cutoff dates that determine when your coverage actually starts.

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