Health insurance
Open enrollment: the dates and rules worth knowing
September 18, 2026
Health coverage has enrollment windows. Miss one and you may have to wait a year, so it helps to keep the dates in one place.
Individual and family Marketplace
Open enrollment runs November 1, 2026 through January 15, 2027. This is when most people can start, change, or switch a plan.
Medicare annual open enrollment
October 15 through December 7, 2026. This is the window to review your Medicare Advantage or prescription drug plan for the coming year.
Apple Health
Eligible Washington residents may apply throughout the year. There is no waiting for a window.
Special enrollment periods
Certain life events open a window outside of regular enrollment, including:
- Losing your health coverage
- Getting married
- Having or adopting a baby
- Moving to a new coverage area
- Certain household or income changes
How to choose
Look past the monthly premium. Compare the deductible, the out-of-pocket maximum, whether your doctors are in network, and whether your prescriptions are covered.
If comparing plans feels overwhelming, we do this every day. Book a free health coverage review and we will walk through it together.
Insurance guidance in Washington
F&G Health & Wealth Group is based in Tacoma, WA and serves clients across Washington — including Federal Way, Spokane, Pullman, Pierce County, King County, and Thurston County. We offer phone and virtual appointments and explain options in plain language, especially for immigrant families and anyone new to U.S. insurance.
To talk through your situation, book a free 30-minute meeting or call/text +1(206)9605934.
Dates reflect published enrollment windows and can change. Always confirm current dates before you enroll.
Want this explained for your family?
There is no cost to learn your options.