2026 Open Enrollment Guide: Save $1,200+ on ACA Health Insurance
Open Enrollment 2026 runs November 1, 2025 – January 15, 2026. This is your once-a-year chance to get affordable health insurance — and qualify for subsidies that can save families over $1,200 annually.
Vivna Insurance helps you compare ACA Marketplace plans from UnitedHealthcare, Ambetter, and more — all in one call.
2026 Open Enrollment Key Dates
- Nov 1, 2025 – Open Enrollment Begins
- Dec 15, 2025 – Deadline for Jan 1 Coverage
- Jan 15, 2026 – Final Deadline
How Much Can You Save? 2026 Subsidy Examples
| Family Size | Income | Monthly Subsidy | Annual Savings |
|---|---|---|---|
| 1 | $35,000 | $420 | $5,040 |
| 2 | $50,000 | $680 | $8,160 |
| 4 | $75,000 | $1,100 | $13,200 |
Source: Healthcare.gov 2026 estimates. Actual savings depend on income & location.
Top 3 ACA Plans for 2026 (Nationwide)
- UnitedHealthcare Silver 70 – $0 deductible after subsidy, $30 copays
- Ambetter Balanced Care – Low premiums, nationwide network
- Pivot Health Short-Term – Bridge coverage if you miss enrollment
Don’t Miss $1,200+ in Savings
Frequently Asked Questions
When does Open Enrollment 2026 start?
November 1, 2025. Coverage begins January 1, 2026 if enrolled by Dec 15.
Can I get subsidies if I’m self-employed?
Yes! Over 80% of Vivna clients qualify for $300–$1,000+ monthly subsidies.
What if I miss the deadline?
You may qualify for Special Enrollment (job loss, marriage, baby) or short-term plans up to 36 months.
Download Your Free 2026 Cheat Sheet
Get key dates, subsidy calculator, and plan checklist in one PDF.
Ready to Save on 2026 Health Insurance?
Call a licensed Vivna agent now — no obligation.