FFM (ACA) Open Enrollment Period

Federally Facilitated Marketplace Open Enrollment Period

November 1 – December 15, 2025

Open Enrollment is the one time a year you can switch to a different health plan. Updating your FFM application annually is not just a recommendation, it’s a safeguard. It ensures continued access to the right coverage, the correct financial help, and protection from compliance or tax issues.

Age 65 or Older and on Medicare?

Your options through Medicare and your enrollment process are a little different.

What to Expect During Open Enrollment

Call with Questions or Meet with an Agent

At Insurance Associates, we are committed to helping you make informed decisions when choosing the insurance that best meets your individual needs. But our service doesn’t stop there, we are always here to assist you with your questions or concerns you may have with your insurance plan(s). Do not hesitate to call our office, that is why we’re here.

ITEMS NEEDED FOR YOUR REVIEW:

▶ Estimated income for 2026

▶ Driver’s license

▶ Social Security Numbers for all individuals that need coverage

▶ Access to your email

Questions? Meet with an Agent!

📌 Important Notice

Big changes are coming to the federal health insurance Marketplace that could impact your costs and coverage. Enhanced subsidies that have made many plans more affordable are set to expire after 2025, which could lead to higher monthly premiums for many enrollees. Additionally, starting in 2026, even $0 premium plans will require a $5 minimum monthly payment — and failing to pay it could result in losing coverage. These changes make it more important than ever to review your options carefully.

Read the full blog post to learn what this means for you >>

Meet with an Agent

Every situation is different! Our services are no cost to you, and our experienced agents can walk you through the application process and answer questions.