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Our Insurance Plans & Policies.

Medicare Annual Enrollment Period (AEP)

During open enrollment, you can enroll in a new plan or change your coverage. You can also sign up for Medicare from 3 months before to 3 months after turning 65.

Program

Annual Enrollment Period

Medicare October 15, 2025 – December 7, 2025

Federal Open Enrollment Period (OEP)

The federal ACA Open Enrollment Period is typically:

🗓 November 1, 2025 – January 15, 2026

  • Coverage would begin January 1, 2026 if you enroll by December 15, 2025.

  • Later enrollments (Dec 16 – Jan 15) would start February 1, 2026.

States

Federal Open Enrollment Period for 2024 Plans

Alabama November 1, 2025 – January 15, 2026
Alaska November 1, 2025 – January 15, 2026
Arizona November 1, 2025 – January 15, 2026
Arkansas November 1, 2025 – January 15, 2026
Delaware November 1, 2025 – January 15, 2026
Florida November 1, 2025 – January 15, 2026
Georgia November 1, 2025 – January 15, 2026
Hawaii November 1, 2025 – January 15, 2026
Illinois November 1, 2025 – January 15, 2026
Indiana November 1, 2025 – January 15, 2026
Iowa November 1, 2025 – January 15, 2026
Kansas November 1, 2025 – January 15, 2026
Louisiana November 1, 2025 – January 15, 2026
Michigan November 1, 2025 – January 15, 2026
Mississippi November 1, 2025 – January 15, 2026
Missouri November 1, 2025 – January 15, 2026
Montana November 1, 2025 – January 15, 2026
Nebraska November 1, 2025 – January 15, 2026
New Hampshire November 1, 2025 – January 15, 2026
North Carolina November 1, 2025 – January 15, 2026
North Dakota November 1, 2025 – January 15, 2026
Ohio November 1, 2025 – January 15, 2026
Oklahoma November 1, 2025 – January 15, 2026
Oregon November 1, 2025 – January 15, 2026
South Carolina November 1, 2025 – January 15, 2026
South Dakota November 1, 2025 – January 15, 2026
Tennessee November 1, 2025 – January 15, 2026
Texas November 1, 2025 – January 15, 2026
Utah November 1, 2025 – January 15, 2026
Virginia November 1, 2025 – January 15, 2026
West Virginia November 1, 2025 – January 15, 2026
Wisconsin November 1, 2025 – January 15, 2026
Wyoming November 1, 2025 – January 15, 2026

State Open Enrollment Period

Some states with their own ACA exchanges have different date ranges for the 2025 Open Enrollment Period. The chart below shows the SEP and OEP dates for these states.
*Residents of Washington DC can choose to start their coverage immediately.

States

State Open Enrollment Period for 2025 Plans

California November 1, 2025 – January 31, 2026
Colorado November 1, 2025 – January 31, 2026
Connecticut November 1, 2025 – To Be Announced
Idaho October 15, 2025 – December 15, 2025
Kentucky November 1, 2025 – To Be Announced
Maine To Be Announced
Maryland November 1, 2025 – January 15, 2026 (Expected)
Massachusetts November 1, 2025 – January 15, 2026 (Expected)
Minnesota November 1, 2025 – January 15, 2026 (Expected)
Nevada November 1, 2025 – January 15, 2026
New Jersey November 1, 2025 – January 15, 2026 (Expected)
New Mexico November 1, 2025 – January 15, 2026 (Expected)
New York To Be Announced
Pennsylvania November 1, 2025 – January 15, 2026 (Expected)
Rhode Island To Be Announced
Vermont November 1, 2025 – January 15, 2026 (Expected)
Washington DC* November 1, 2025 – January 15, 2026
Washington November 1, 2025 – January 15, 2026 (Expected)

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Our Customers

“It’s been difficult, but Harlon’s made it so pleasurable and really a wonderful experience and helped us understand what choices we were making. After we got settled in, we were doing good and about halfway through, I was considered disabled and I had been waiting for a decision which came through. It left us up for yet another change. I didn’t understand anything going on with the social security choices that I had. I called Harlon, yet again. He sat down with us and got us set up once again and was able to have me ready for my insurance the day before the other plan that we originally settled on canceled!” -John

I had coverage during COVID and it was great for my whole family. Harlon helped provide me and my family with medical protection that we wouldn’t have otherwise had. It was very useful to be able to speak to a doctor on the internet–a good customer experience. The shared plan is better coverage overall compared to what I’m used to, and the price of it is so affordable. We went from $1,500 for my whole family, to less than $700 per month. It’s nice to know you can put your health in the hands of Harlon Pickett and it’s okay. He’s available and responds right away.” -Jessica

We came from California and my husband was about to lose his insurance. I am so glad that I called Harlon. We came not knowing anything about what to do or how to go about doing it and Harlon has been a god-send, a mentor and has led us through all of these difficult decisions and choices we had to make.” -Christine

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