Watch this <1 minute video with need-to-know information about the upcoming Open Enrollment with CoverME.gov's Director, Hilary Schneider.
Nothing is Changing for Your 2025 Premiums
Many members can expect prices changes in 2026. We put together this infographic to clarify what’s happening.
View an accessible version of the above graphic.
Your Roadmap for Open Enrollment 2026
Price Changes Expected
We know cost is a big concern for CoverME.gov members. Unfortunately, we are anticipating more changes than usual for 2026 for these two reasons:
Reason #1: Higher premiums and deductibles.
Insurance companies set their prices annually and we're seeing average prices and deductibles have increased more than usual.
Reason #2: Expiring Enhanced Premium Tax Credits.
The federal government plans to end a large portion of CoverME.gov savings. Since 2021, extra savings by tax credit have been available to CoverME.gov consumers who qualify. These savings, called Enhanced Premium Tax Credits (EPTC), will end unless Congress acts. Without EPTC, your monthly premiums will likely increase in 2026. This does NOT affect your premiums in 2025.
- What Can You Do? Estimate your 2026 financial savings with the KFF Premium Calculator. The calculator will give you a best estimate, not an exact price. You will see your actual 2026 costs when we send renewal notices in October. Learn more about expiring EPTC.
Changes to How You Get Enrolled
More secure passwords. Starting August 11, all CoverME.gov passwords need to be longer. We're required to make this change to protect Federal Tax Information. Longer passwords are better for protecting your personal and financial data. When you log in, we will ask you to pick a new password that is at least 14 characters long.
Text messages to make it easier to stay informed. Starting this year, if you've selected text messaging as a preferred contact method, you'll receive a text notification anytime there's a new message posted to your online account. To add permissions for texting, log in to your CoverME.gov account, go to My Household, Edit Member, and check the box next to "Text" under Contact Method(s). Be sure your mobile phone number is accurate, then save your changes.
Self-service password reset. Forgot your password? You can now reset it quickly and securely using your email or mobile phone.
New Federal rules are coming
- Watch for communications from CoverME.gov about outstanding verifications. Because of a new federal rule, members may need to submit more documents to get coverage. We will contact you if we need documents such as paystubs and citizenship paperwork. Be sure to submit documents quickly. If you don't, you could lose financial savings or even lose coverage.
Learn the Language of Health Insurance
Copayment, coinsurance, deductible! Health insurance can feel like a foreign language. We've put together a glossary to define some common insurance words.
Tips for Open Enrollment
Questions? We have answers. Who can enroll? How do I get financial savings? Am I doing my application right? Find answers to these questions and more: Frequently Asked Questions.
News for Taro customers
One of the health insurance carriers on CoverME.gov - Taro - has changed their name and is now known as Mending. If you are a customer, here's what you need to know:
- No disruption of service - Your health insurance plan remains fully intact, with the same coverage, benefits, and provider access.
- No new ID cards until 2026 - You will continue using your current ID cards through 2025. New ID cards with the new company name, Mending, will be sent to customers in January 2026.
- Same people, same support - Your contacts, billing, and member portal access will remain unchanged.
If you have questions about this name change, contact Mending's member support team at support@mending.com or (877) 522-5151.
Talk to an Expert
More than 9 out of 10 CoverME.gov members are happier when they work with an expert to sign up for health coverage. Find local help or check out the Consumer Assistance Center hours.