The Michigan Department of Insurance and Financial Services (DIFS) is calling on residents to prepare for the upcoming Health Insurance Marketplace Open Enrollment, which begins on November 1, 2025. This enrollment period is crucial for securing health insurance coverage for the year 2026, especially in light of recent federal changes and the gradual phase-out of certain tax credits.
Key Changes to Enrollment Process
Residents are advised to gather necessary income and tax information well in advance. DIFS emphasizes that understanding the health insurance options available is essential for making informed decisions. Key alterations to the application process include a reduced 90-day window for correcting application errors, potential omissions of 2026 premium details in insurer notices, and new requirements for proof of eligibility for subsidies.
The enrollment period concludes on January 15, 2026, but individuals seeking coverage to commence on January 1, 2026 must enroll by December 15, 2025, according to the DIFS.
Resources for Residents
To assist residents in navigating the enrollment process, DIFS has released a video tutorial aimed at simplifying the selection of health insurance during this period. In addition to the video resources, free local assistance is available through trained navigators, who can be reached at 800-318-2596. These resources are also accessible via HealthCare.gov, providing a comprehensive guide for those seeking health coverage.
As the Open Enrollment date approaches, residents are encouraged to take proactive steps to ensure they have the necessary information and resources at hand. By preparing early, individuals can maximize their chances of finding a health insurance plan that meets their needs and budget.
