Plan Year 2026 Updates

Cost Changes for 2026 Health Plans

Starting January 1, 2026, some changes may affect how much you pay for health insurance through Virginia’s Insurance Marketplace. 

You can use the Cost Calculator to see what you might pay and to find out if you qualify for financial help. Even though some enrollees may see higher monthly premiums in 2026, all Marketplace plans will continue to offer high-quality, comprehensive coverage to keep you and your family protected. 

*2025 plans and prices will not change. These updates apply to plans starting January 1, 2026.

Open Enrollment Is Happening Now Through January 30

Open enrollment for 2026 health plans is underway through January 30, 2026. This is your time to review your options, update your information, and choose the health insurance that fits your needs.

What You’ll Need to Enroll

Before signing up for a 2026 health plan, gather these documents for each adult you want to cover:

  • Photo ID
  • Social Security number
  • Most recent tax return
  • Pay stubs from the past four weeks
  • Immigration documents (if applicable)

Enroll Now

Why Costs May Go Up

Several changes could affect your premium:

Expiration of enhanced tax credits

Extra financial help that's been in place since 2021 is set to expire December 31, 2025.

Other factors that could affect costs

Even if tax credits continue, other things could change what you pay. Be aware of these potential developments that might affect you: 

  • A change in your income, family size, or tax filing status
  • A new insurer entering your region
  • Not filing and reconciling your federal taxes if you received tax credits for your health plan premiums
  • Missing paperwork deadline

You don’t have to navigate these 2026 changes alone! If you have any questions about plans or enrollment, our certified assisters and navigators are here to provide personalized assistance, guide you in updating your information, and help you find the right plan for your needs and budget. Visit the Marketplace Help Center or call 888-687-1501 to get enrollment support.  

What You Can Do Now

To navigate the 2026 plan year changes and make sure you’re covered for 2026:

  • Compare plans and costs: Use our Cost Savings Calculator to explore your options and estimate your savings.
  • Update your Marketplace account: Make sure your income, household size, and tax filing details are current.
  • Pay any outstanding premiums: Stay up to date on your payments to avoid coverage interruptions.
  • Enroll by January 30: Enroll in a new health plan or make changes to your current plan before the end of open enrollment on January 30. 

Be Aware of Scams and Fraudulent Health Plans

We’re committed to updating you on all federal changes, so you may see increased communication from Virginia’s Insurance Marketplace in the coming weeks. You may also receive communications from people or institutions not affiliated with the Marketplace.

If you have a Marketplace account, you will receive messages in your Marketplace platform inbox. Beyond messages on the platform, official Marketplace communications may also come from the following:

If you are unsure about any communication that you have received, please contact the Consumer Assistance Center at 888-687-1501.

What the Marketplace is Doing for You

Virginia’s Insurance Marketplace is here to help you through the 2026 plan-year changes and to make sure you continue to have access to high-quality health insurance.

Having health insurance means more than meeting a requirement: It gives you the peace of mind that comes with knowing you can get the care you need, when you need it — without the burden of unexpected medical costs. 

Need help?

Whether you’re renewing a plan or enrolling for the first time, Virginia’s Insurance Marketplace is your trusted resource for coverage, cost savings, and support. 

Visit our Help Center or call 888-687-1501 to connect with a certified assister or navigator for one-on-one support.