The Michigan Department of Insurance and Financial Services (DIFS) is advising residents to prepare for the upcoming Health Insurance Marketplace Open Enrollment, which begins on November 1, 2025. This enrollment period is critical for securing health coverage for the year 2026, especially in light of recent federal changes and the upcoming phase-out of certain tax credits.
Residents are encouraged to gather necessary income and tax information well in advance. DIFS has emphasized the importance of early preparation, noting that the process may be more complicated due to new requirements. Key changes include a reduced 90-day window for correcting application errors and a lack of detailed premium information in notifications from insurers for 2026. Additionally, applicants will face new proof of eligibility requirements to qualify for subsidies.
Enrollment will conclude on January 15, 2026. To ensure coverage begins on January 1, 2026, individuals must complete their applications by December 15, 2025. DIFS is committed to assisting residents in navigating these changes and has provided resources to help with the enrollment process.
Resources and Assistance for Enrollees
To aid residents in making informed decisions, the Michigan Department of Insurance and Financial Services has released a video tutorial specifically designed to guide users through the health insurance selection process during open enrollment. This tutorial is available on the DIFS website and is part of a broader initiative to enhance public understanding of health insurance options.
Additionally, free local assistance is available through trained navigators who can provide one-on-one support. Residents can reach these navigators by calling 800-318-2596. For those looking for online resources, the official website, HealthCare.gov, serves as a comprehensive platform for information regarding health insurance options and enrollment procedures.
As the enrollment period approaches, DIFS urges all eligible residents to take proactive steps to secure their health coverage. With the changing landscape of health insurance, being prepared can significantly impact residents’ access to necessary medical services and financial protection.
