Health Insurance Open Enrollment 2026

Open Enrollment for private health insurance for 2026 will be from November 1, 2025 until January 31, 2026. You must enroll in a plan by December 31 to begin coverage on January 1. If you miss Open Enrollment, you will most likely not be able to get a private health insurance plan at any point during 2026 – even from an insurance broker. Please note that subsidies are lower this year, so premiums will be higher than last year.

To sign up for an appointment to get free help from an LRRC Navigator with applying for a subsidized private health insurance plan, visit:

PLEASE NOTE:

If you are currently active on NJ FamilyCare and have not received a termination letter, do not fill out this form, even if you believe you are no longer eligible. You will be eligible for a Special Enrollment Period to enroll in private health insurance once you receive a termination notice. If you need private insurance for 2026, please contact the LRRC for guidance.

If you receive a NJ FamilyCare renewal packet, do not ignore it! All renewal packets must be returned by the due date.

To learn more about subsidized private health insurance plans and Get Covered New Jersey, you can read our Get Covered NJ Brochure.

If you need help answering any questions, schedule an appointment through the LRRC automated scheduling system online at lrrcenter.org/appt or by calling our automated scheduler at (732) 523-1789. You can also email us at questions@lrrcenter.org.