The Michigan Department of Insurance and Financial Services is encouraging state residents to be ready for the upcoming Health Insurance Marketplace Open Enrollment period that starts Nov. 1.

A record 530,000 Michiganders are currently enrolled in health insurance through the Marketplace. Recent federal changes, as well as expiring tax credits, mean it has never been more important to review health insurance coverage and make a selection during the upcoming Open Enrollment period.

“Health insurance improves health outcomes and helps protect your family’s health and financial future,” Director Anita Fox said in a news release. “As we head into Open Enrollment season, now is the time for Michiganders to start preparing for and thinking about their health insurance options for 2026. Michiganders who need help finding or maintaining health insurance or understanding their options can call DIFS at 877-999-6442, Monday through Friday from 8 a.m. to 5 p.m. or visit Michigan.gov/HealthInsurance.”

To get ready for open enrollment, Michiganders should gather important tax and income verification documents, take the time to shop around and compare health insurance plans, and keep track of the shortened deadlines and new requirements listed below. Those who utilize HealthCare.gov for their health insurance needs should be aware of these changes:

— Health Insurance Marketplace policyholders may need to be prepared to update their income, immigration status and other information quickly, as the amount of time allowed to resolve data discrepancies was shortened from 150 days to 90 days.

— This year, information about monthly premiums for 2026 may not be included in notices insurers send to their current customers. Michiganders should be sure to log into HealthCare.gov long before Dec. 15 and review their information during Open Enrollment if they automatically re-enroll.

— New enrollees — including those who enroll outside of open enrollment due to a life event or income change — may need to prove eligibility before they can receive subsidies that help offset the cost of their monthly premium.

— Looking ahead to next year, open enrollment will be shortened by a month — ending Dec. 15, 2026, rather than Jan. 15, 2027.

Open Enrollment for 2026 health insurance runs from Nov. 1 through Jan. Consumers must select a plan no later than Dec. 15 for coverage to start on Jan. 1. Take note — consumers who miss ACA deadlines will, in most instances, have to wait a full year to obtain coverage.

DIFS has created a video to help consumers learn about health insurance and get answers to their open enrollment questions on the Health Insurance Marketplace, and it can be viewed at Michigan.gov/HealthInsurance.

Open Enrollment navigators are also available to provide free, local assistance to consumers who need help signing up for health coverage. For assistance, go online to HealthCare.gov or call 800-318-2596.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, go to Michigan.gov/DIFS or follow the department on Facebook, X, or LinkedIn.