Today is the final day for individuals and families to enroll in an Individual Marketplace health plan for 2026, according to Darnell Smith, market president for Florida Blue.
- “As we settle into the rhythm of the new year, one of the most concerning issues for our community is the lingering uncertainty around health care,” Smith said. “At a time when so many in our community are having trouble making ends meet, individuals and families are also worried about how to continue paying for their health care in 2026.”
Smith said after the Jan. 15 deadline, the only way to enroll in or change plans is by qualifying for a Special Enrollment Period, which requires a major life change like getting married, moving to a new county or having a baby.
“Missing the upcoming deadline could leave many without the coverage they need,” he said.
The enrollment period closes as many residents face uncertainty about health care costs. Enhanced tax credits that made coverage affordable expired at the end of 2025, though Congress could take up the issue again with a plan to extend subsidies.
Smith said financial help remains available for many people. Depending on factors like income and where someone lives, some may still qualify for a subsidy that covers 100% of their monthly premium.
- “It’s critical for everyone to act quickly so they are protected from having to pay this year for medical care and prescription drugs on their own,” he said.
Smith noted the importance of health coverage even for those in good health. “No one plans to get sick or injured, yet many people will need health care during the year,” he said. Something as simple as a broken leg can cost up to $7,500.
Marketplace plans cover checkups, vaccines, yearly bloodwork and other screenings at no extra cost.
“If finding the right health insurance plan or understanding the government changes to this year’s Open Enrollment seems confusing, it’s easy to connect with help,” Smith said. “In the meantime, we’re here to make it easier to sign up, navigate the system, and find a plan that works best for everyone’s needs and budget.”
Free enrollment assistance is available at Florida Blue Centers or by calling 1-844-396-2597 for English or 1-855-209-2477 for Spanish. Information is also available at FloridaBlue.com/StayCovered or FloridaBlue.com/MantenteCubierto.
