Two things are true as of today: 2026 ACA Open Enrollment has ended...and 2026 ACA Open Enrollment is still going on (in some states). The official Open Enrollment Period is over in 43 states...but residents of the other 7 (plus DC) still have time to enroll for coverage starting either February 1st or March 1st! California: January 31st Connecticut: January 31st (extended!) District of Columbia: January 31st Illinois: January 31st (extended!) New Jersey: January 31st New York: January 31st Pennsylvania: January 31st (extended!) Rhode Island: January 31st Collectively, these states have around 98 million residents, or around 28% of the total U.S. population. If you missed (or miss) the deadline for your state, you're out of luck unless you qualify for one of the following exceptions: Members of federally-recognized Native American tribes or Alaska Natives can enroll in ACA coverage year-round. If you're eligible for Medicaid or the Children's Health Insurance Program (CHIP), you can enroll year-round. If you become eligible for a 60-day Special Enrollment Period due to having a qualifying life event like losing your existing coverage, getting married/divorced, giving birth/adopting, turning 26, getting out of prison, etc.