As we move into the final months of the year, it is officially time to start thinking about your health insurance for 2026. Open enrollment is not just another administrative task. It is the one window of time each year when you can review your coverage, make changes, and ensure your plan truly supports your health and financial needs. Whether you are on a Covered California plan or an off-exchange individual policy, these next few weeks are important.

This year, many people will experience rate increases due to the loss of certain Federal subsidies. These changes can feel overwhelming, especially if your monthly premium has been stable for years. That is exactly why it is so important that we speak during open enrollment. A thorough review can help you understand your options, avoid surprise expenses, and make sure you are not paying more than necessary for the coverage you need.

If we have already completed your review, thank you. You can disregard this reminder and feel confident that your plan is ready for 2026. But if we have not yet connected, this is your last opportunity to get on my calendar before the deadline. I want to help you prepare for the changes ahead and find a plan that fits your budget and your health needs.

Here are the enrollment periods you need to keep in mind:

• Covered California plans, as well as individual and family plans, are open for enrollment from November 1 through January 15.
• Off exchange plans that are not purchased through Covered California follow the same enrollment window, November 1 through January 15.

It is essential to understand that after January 15 you will not be able to make changes to your coverage unless you qualify for a special enrollment event. For those of you with Covered California plans, this deadline is even more critical because you will not have another chance to adjust your coverage until the 2026 season.

Health insurance can be complicated, especially in a year with shifting subsidies and rising premiums. You do not have to navigate these decisions alone. We are here to help you compare options, understand rate changes, and choose coverage that feels right for you and your family.

Call us now for experienced guidance during open enrollment season. Let’s make sure you are protected and prepared for the year ahead.