The Michigan Department of Insurance and Financial Services is advising residents to get ready for Health Insurance Marketplace Open Enrollment starting November 1 for 2026 coverage because of recent federal changes and the phase-out of some tax credits. Residents are encouraged to gather income and tax information early, and DIFS offers help with comparing plans and understanding options, according to the Michigan Department of Insurance and Financial Services.
Key changes include a shorter 90-day window to fix application errors, insurers may not include 2026 premium details in notices, and new proof of eligibility is required for subsidies. Enrollment ends on January 15, 2026, but people who want coverage to start on January 1, 2026 must sign up by December 15, as reported by the Michigan Department of Insurance and Financial Services.
The Michigan Department of Insurance and Financial Services has released a video tutorial to help residents choose health insurance during open enrollment. Free local help is also available through trained navigators at 800-318-2596. These resources can be accessed at HealthCare.gov.
