ACA Marketplace guide · 2026 rules · updated for the enrollment year Official: HealthCare.gov ↗
✚ ACA Health Insurance GuideMarketplace plans, subsidies, enrollment and state rules — explained
DEADLINES
Open Enrollment: Nov 1 – Jan 15Dec 15 deadline = Jan 1 coverageSEP window: 60 days after any life event4 of 5 enrollees find plans near $10/mo2026 OOP max: $10,600 single / $21,200 family
Section

Category: Coverage

Coverage

01

ACA Health Insurance vs Employer Coverage: Key Differences Every American Should Know

Marketplace plans and job-based coverage follow different rules on cost, subsidies, network access and job changes. Here is a clear, current comparison.

Jan 29, 2026 · 8 min read
 02

ACA Essential Health Benefits and Minimum Coverage: What Every Plan Must Include

The ten essential health benefits, the 2026 out-of-pocket caps, actuarial metal values and the limits that no compliant plan can cross — explained precisely.

Jan 13, 2026 · 8 min read

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