2026 Open Enrollment Rockwall TX
2026 Open Enrollment Period To Purchase Individual Health Insurance Runs From Nov 1 – Jan 15, 2026!
If you don’t act by January 15th, 2026 you can’t get 2026 coverage unless you qualify for a Special Enrollment Period. Plans sold December 15th during Open Enrollment will take effect on Jan 1, 2026. Plans sold through January 15th will have a Feb 1st effective date.
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Individual and Family Open Enrollment
**Do you need help paying for your premium? Ask us if you qualify for a subsidy.
Federal Poverty Level (FPL)
A measure of income is issued every year by the Department of Health and Human Services (HHS). Federal poverty levels are used to determine your eligibility for certain programs and benefits, including savings on Marketplace health insurance, and Medicaid and CHIP coverage.
The 2026 federal poverty level (FPL) income numbers below are used to calculate eligibility for Medicaid and the Children's Health Insurance Program (CHIP). 2020 numbers are slightly lower, and are used to calculate savings on Marketplace insurance plans for 2026.
| Household
Size |
2025
Coverage |
2026
Coverage |
| 1 | $15,060 | $15,650 |
| 2 | $20,440 | $21,150 |
| 3 | $25,820 | $26,650 |
| 4 | $31,200 | $32,150 |
| 5 | $36,580 | $37,650 |
| 6 | $41,960 | $43,150 |
| 7 | $47,340 | $48,650 |
| 8 | $52,720 | $54,150 |
| More | +$5,380 each | +$5,500 each |
Federal Poverty Level amounts are higher in Alaska and Hawaii. See the HHS poverty guidelines for 2025. (2026 Guidelines - TBD)
How federal poverty levels are used to determine eligibility for reduced-cost health coverage
- Income above 400% FPL: If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a 2021 Marketplace health insurance plan.
- Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
- Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income.
- Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid.
"Income" above refers to "modified adjusted gross income" (MAGI). For most people, it's the same or very similar to "adjusted gross income" (AGI). MAGI isn't a number on your tax return.
Related content
- Income levels that qualify for savings
- Federal poverty levels for previous years
- How income is counted for health coverage savings
- How to find out if you qualify for Medicaid & CHIP coverage
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Diane Eller, CBA, SGS
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Diane Eller Insurance Agency PLLC
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