Comprehensive Financial Planning for 2026

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The Medical Insurance Market Open Enrollment Period for plan year 2026 starts on November 1, 2025, and runs till January 15, 2026. The typical premium after tax credits is projected to be $50 per month for the most affordable expense plan in 2026 for eligible enrollees. This represents a $13 increase from 2025.

Premium Price: Eligible enrollees continue to have robust access to low premium strategies after applying advance payments of the exceptional tax credit. Similar to 2025, on average, tax credits are projected to cover 91% of the most affordable cost plan premium in 2026 for qualified enrollees. This compares to 85% in the 2020 protection year, which was the last coverage year not affected by momentary COVID-19 pandemic policies.

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While this represents a $13 increase from 2025, it remains $20 more economical than the month-to-month premium after tax credits in 2020. In 2026, nearly 60% of qualified re-enrollees will have access to a strategy in their selected health strategy classification at or below $50 after tax credits. This compares to 83% of qualified enrollees in 2025 and 56% in 2020 with equivalent access.

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The average 2026 enrollee has in between 6 and 7 QHP companies readily available. In 2026, 95% of enrollees have access to three or more QHP issuers, compared to 96% in 2025 and 68% in 2020. In addition, less than 1% of 2026 enrollees have only one offered QHP provider, which is the most affordable percentage in history.

In 2026, this will make HSA-eligible strategies readily available to every customer in every county across the states that use This expands access to HSA-eligible plans to a minimum of 1.6 million extra consumers. ###.