Open enrollment for 2026 health coverage begins Nov. 1

As of Oct. 15, people in Oregon can use the tool to easily compare 2026 health plans, check if their doctors and prescriptions are covered and see how much financial help they may qualify for.

Open enrollment – Nov. 1, 2025 to Jan. 15, 2026 – is the time when people who don't get insurance through their job, Medicare or the Oregon Health Plan can sign up for a Marketplace plan. For many, it is the best chance each year to secure affordable, comprehensive coverage, and the upgraded Window Shopping tool makes it easier than ever to explore options.

"Life doesn't always go as planned, but having health insurance means you and your family can weather the unexpected," said Chiqui Flowers, director of the Oregon Health Insurance Marketplace. "With rising health care costs and the uncertainty of life, open enrollment is the time to make sure you're protected for the upcoming year. Our upgraded tools and local help make the process straightforward."

The Window Shopping tool is available in English and Spanish and provides personalized estimates based on income, age and location to help people in Oregon find coverage that fits their life and budget. Key updates and enhancements to the Window Shopping tool at OregonHealthCare.gov for 2026 include:

Enhanced plan comparisons so you can see real costs before you buy.

Expanded provider and prescription lookup features, making it easier to confirm that your care team and medications are covered.

Updated savings estimates that reflect financial help available to most people in Oregon.

Stronger benefit transparency, including details about coverage for services like gender-affirming care, preventive services, naturopathy, and mental health support.

Why coverage matters

Nearly all people in Oregon — 97% — now have health coverage. All marketplace plans include essential health benefits such as prescriptions, mental health care, maternity and pediatric services, free preventive care and more. Most services are covered before you meet your deductible. The only way to be sure your doctor or prescription is covered is to check — and the Window Shopping tool makes that simple.

Explore your options early

At the end of this year, some of the extra savings that were temporarily available to lower monthly premiums are currently expected to end. That means the amount of financial help you get may look a little different than it has in the past. Affordable coverage is still available, and many people will continue to qualify for premium tax credits to bring costs down. To see what your costs might look like for 2026, you can use the updated Window Shopping tool at OregonHealthCare.gov to preview plans and savings before open enrollment begins. It's a good idea to explore your options early, so you're ready to choose the plan that fits your health needs and your budget.

Get help at no cost

Free local help is available to guide people in Oregon through enrollment. Licensed insurance agents and certified community partners can walk you through your options and answer questions, in-person or virtually. Visit OregonHealthCare.gov/GetHelp to connect with an expert.

Open enrollment runs Nov. 1, 2025 through Jan. 15, 2026. To start exploring your options, visit OregonHealthCare.gov.