Open enrollment for 2026 is approaching, and this period is especially important for people covered under an Affordable Care Act (ACA, also known as Obamacare) individual policy, as well as those enrolled in Medicare. Every year on January 1, changes go into effect—and for many, the adjustments can be significant.
For those with ACA coverage going into 2026, major updates are expected. That makes it essential to review your plan now to ensure you’re prepared.
Review Your ACA Coverage for 2026
If you have an ACA plan, here are key questions to consider:
- Have your doctors changed?
- Has the insurance company updated its doctor network?
- Are there changes to your premiums?
- Do you still qualify for premium tax credits or government cost-share benefits?
These details can shift from year to year. Reviewing them now helps you avoid surprises and keeps your coverage working for you. Ideally, you should review these points with an agent who can walk you through the updates.
Check Your Medicare Advantage and Prescription Drug Coverage
If you are enrolled in Medicare, the most important review for 2026 involves your Medicare Advantage plan. Confirm that your doctors are still part of the network and compare what other Advantage plans may offer.
Your prescription drug coverage is especially important. Since plans change every year, you should confirm that your current medications will still be covered.
Who Needs to Review Coverage During Open Enrollment
Open enrollment applies to anyone with an ACA individual plan, a Medicare Advantage plan, or a Medicare Part D prescription drug plan.
This period does not apply to people who get health insurance through an employer, unless that employer has its own open enrollment window. For the general public, open enrollment is the time to review your ACA or Medicare coverage.
When to Contact MBhealth for Open Enrollment Guidance
Meeting with one of our agents during open enrollment is an important step to protect your healthcare options. At MBhealth Insurance Agency, we are here to help you review your doctors, networks, premiums, and prescription coverage.
Visit us at mbhealth.com or call us at (314) 544-5400. We will be happy to review your options with you.
