Renew by 12/15 for 1/1 coverage. Stay covered with Ambetter Health.
Ambetter Health Open Enrollment 2025:
Don’t Miss Your Chance to Get Health Insurance Coverage Starting January 2026
Whether you’re signing up for the first time, renewing your plan or navigating a qualifying life event, finding affordable Marketplace health insurance doesn’t have to be stressful. We're with you to get the coverage you need and feel confident in your coverage.
When is Open Enrollment for 2025? Key Dates to Remember.
Open Enrollment for Marketplace health insurance begins on November 1, 2025, and ends on January 15, 2026. This is your opportunity to find a new health insurance plan, renew your current one or make changes to your coverage for the upcoming year.
To make sure your plan starts on time, keep these important deadlines in mind:
- If you enroll by December 15, 2025, your coverage will begin on January 1, 2026.
- If you enroll between December 16, 2025, and January 15, 2026, your coverage will begin on February 1, 2026.
Whether you’re exploring new options, planning to renew your existing Ambetter Health plan, or navigating recent life events, it’s important to act before Open Enrollment ends.
If you’re not sure where to start or which plan is right for you, we can help. Call 855-748-8640 and we’ll walk you through your options and make sure you feel confident in your healthcare decision.
What is Open Enrollment on the Marketplace?
The Affordable Care Act (ACA) open enrollment period is the annual opportunity to sign up for coverage, renew, or change your Marketplace health insurance. For most people, this is the only time to get coverage unless you qualify for a Special Enrollment Period.
During ACA Open Enrollment, you can:
- Choose a new health insurance plan
- Update your current coverage
- Add or remove family members
This time matters for individuals and families alike. It lets you align your plan with life changes like growing your household or adjusting your budget.
If you’ve experienced a qualifying life event—such as job loss, a new baby or a move—you may be eligible for coverage outside of open enrollment.
How to Enroll During Open Enrollment
If you’re wondering how to enroll in health insurance, we're with you. Whether you’re switching plans or signing up for the first time, we’re here to help guide you through each step.
3 Simple Steps to Open Enrollment:
Get a Quote
Visit enroll.ambetterhealth.com to compare health plans, benefits and pricing in your area.
Gather Your Information
You’ll need Social Security numbers, income details, and current coverage info for all your household members applying.
Enroll Online or by Phone
You can enroll in health insurance on your own online or call 855-748-8640 to speak with a licensed Ambetter Health agent. We’ll help you choose the right plan with clarity and confidence.
Want to make sure you have everything ready? Use our Enrollment Checklist to stay organized and on track.
Why Choose Ambetter Health During Open Enrollment
Ambetter Health plans are trusted by millions across the country. We’re committed to helping you find affordable coverage that fits your lifestyle.
Here’s what sets us apart:
- A nationwide network of doctors, hospitals and specialists. Find a Provider Near You.
- Convenient virtual care options, including 24/7 telehealth services powered by Teladoc. Learn about Virtual 24/7 Care*.
- Rewards through My Health Pays®**, where you can earn reward dollars for completing health activities. Explore My Health Pays®.
- Enhanced plan options in select states, including dental, vision and diabetes care.
- Support in multiple languages to help every member feel confident and informed.
Whether you’re comparing plans or ready to enroll, we're here to make health insurance easier. Join the millions of members who trust Ambetter Health for their coverage today.
Health Insurance Plans During Open Enrollment: Find What Fits Your Life
Ambetter Health offers a range of Marketplace health insurance plans to meet your needs at every stage of life. Whether you’re a young adult just getting started or managing care for a growing family, we make it easy to find the right coverage during Open Enrollment.
Our Bronze, Silver, and Gold plan tiers are designed to balance monthly premiums with out-of-pocket costs, so you can choose what plan works best for your health and budget.
Note: Platinum plans may be available in select states. Check your area for availability.
All Ambetter Health plans include:
- Preventive care
- Mental health services
- Prescription drugs
- Emergency care
- Maternity and pediatric services
- Virtual 24/7 Care
- My Health Pays® Rewards
You also get access to our local provider network to ensure care is close to home.
Ready to explore your options?
Get coverage and compare plans here or call 855-748-8640 to talk to a licensed agent today.
Special Enrollment Qualified Events to Enroll Year-Round
If you missed the Open Enrollment deadline, you may still be able to get health insurance outside of open enrollment through a Special Enrollment Period. If you’ve experienced one of these life events in the last 60 days, you may be eligible for a Special Enrollment Period.
Common qualifying events include:
- Losing job-based coverage
- Getting married or divorced
- Having or adopting a baby
- Moving to a new zip code or state
- Turning 26 and aging off a parent’s plan
- Discover more qualifying life events here
Get Personal Help With Open Enrollment — Real People, Real Support When You Need It
Health insurance enrollment can feel overwhelming, but you’re not alone. Our licensed Ambetter Health agents are ready to guide you through every step of the process.
- Get a free consultation to review your needs
- Compare plans side by side to find the right fit
- Receive clear, step-by-step enrollment guidance
- Access language support in multiple languages
We’re Here for You
Whether you’re wondering how to apply for health insurance or need help understanding your options, we're here for you.
Call 855-748-8640 to get personal support with your insurance enrollment today.
Marketplace Health Insurance FAQs — Ambetter Health Open Enrollment
Enrollment Process
You can enroll in Ambetter Health during Open Enrollment (November 1 to January 15) or during a Special Enrollment Period (SEP) if you experience a qualifying life event. These include losing job-based coverage, getting married, having a baby, or moving. Qualifying events open a 60-day window to enroll.
Click here to see if you qualify for a Special Enrollment Period.
Yes. From November 1 through January 15, you can switch to a different Ambetter Health plan, change metal tiers, or update household members. Enroll by December 15 for coverage that begins January 1.
Cost & Financial Help
Yes. Most members qualify for premium tax credits based on income. If you select a Silver plan, you may also be eligible for cost-sharing reductions to lower your copays and deductibles.
Costs vary by location, age, household size and plan level. Bronze plans have the lowest monthly premiums; Gold plans offer lower out-of-pocket costs when you need care.
Click here to compare plans and see your personalized estimate.
Plans & Coverage
Ambetter Health offers Bronze, Silver, and Gold Marketplace plans with essential health benefits like preventive care, prescriptions, mental health services and more. You can also add:
- Dental and vision coverage
- Diabetes care plans
- Chronic Condition (COPC) support
We offer:
- Large, local networks in 29 states for ideal care options
- 24/7 virtual care access
- Affordable, low premium plans
- The My Health Pays rewards program
- Multilingual support and digital tools
Click here to find out what makes Ambetter Health different.
Yes. All plans include Virtual 24/7 Care provided by Teladoc. Members can talk with doctors by phone or video about common illnesses, mental health and more.
- Bronze: Lowest monthly cost, higher out-of-pocket — good for healthy individuals
- Silver: Balanced monthly cost and coverage — only tier eligible for cost-sharing reductions
- Gold: Higher monthly premium, lower costs when using care
- Platinum: Offered in some states; highest monthly cost, lowest out-of-pocket for care.
Special Situations
Yes. Losing job-based insurance qualifies you for a Special Enrollment Period. You may also qualify for premium tax credits or Medicaid, depending on your income. Ambetter Health is often a more affordable alternative to COBRA, offering quality coverage at a lower monthly cost.
Click here to learn more about enrollment options if you’re unemployed.
If you’re covered through a parent’s employer plan, coverage typically ends on your 26th birthday. If it’s a Marketplace plan, coverage continues through December 31. Either way, you’re eligible for a 60-day Special Enrollment window.
Yes. A newborn is covered from birth. You have 60 days to add them or update your plan. All Ambetter Health plans include maternity care like prenatal visits, labor and delivery and postpartum care.
Click here to learn more about maternity care and newborn coverage.
Coverage Areas & Benefits
Ambetter Health provides health insurance coverage in a wide range of states. Some states may offer specific plan types or coverage areas.
My Health Pays® is a rewards program that lets you earn rewards dollars for completing health actions like checkups, and screenings. You can use rewards for premiums, copays and more.
Use our Find a Provider tool to search by zip code, specialty or language preferences.
- Enroll by Dec 15 — Coverage starts Jan 1
- Enroll by Jan 15 — Coverage starts Feb 1
For Special Enrollment, coverage usually begins the first day of the month after enrollment.
Click here to get enrolled or click here to learn more about enrollment.
- Preventive and emergency care
- Hospitalization and prescriptions
- Mental health services
- Maternity and pediatric careVirtual 24/7 Care
You’ll also have access to care management, nurse advice lines and health rewards.
Getting Help & Support
You can compare plans online or call 855-748-8640 for personal help. Our agents speak multiple languages and can help you understand your benefits and financial options.
We offer dedicated portal access in English, Spanish, Russian, and Chinese. For other languages, we can connect you to a translation representative through our call center to help with your needs.
Click here to find your language-specific contact information.
To enroll, you’ll need:
- Social Security numbers for applicants
- Income details (pay stubs, tax returns)
- Current health plan info, if applicable
- Documentation for qualifying life events (if enrolling through SEP)
*Formerly known as Ambetter Telehealth. Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care. Virtual 24/7 Care and Virtual Primary Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care or Virtual Primary Care programs. Ambetter Health does not provide medical care. Medical care is provided by individual providers which are independent contractors and not agents of Ambetter Health.
**Healthcare-related costs will vary by member and the plan in which you are enrolled. Funds expire immediately upon termination of insurance coverage. My Health Pays® rewards cannot be used for pharmacy copays.
Ambetter Health is the brand name used for products and services provided by one or more of the wholly owned subsidiaries of Centene Corporation, who are issuers in the states indicated at AmbetterHealth.com. Health benefits and health insurance plans contain exclusions and limitations. This is a solicitation for insurance © 2025 Centene Corporation, centene.com. All rights reserved. If you, or someone you’re helping, have questions about any of the Ambetter Health offerings, and are not proficient in English, you have the right to get help and information in your language at no cost and in a timely manner. If you, or someone you’re helping, have an auditory and/or visual condition that impedes communication, you have the right to receive auxiliary aids and services at no cost and in a timely manner. To receive translation or auxiliary services, please contact Member Services for your specific Health Plan by phone by referencing the Health Plan Contact Information located at the state-specific link on AmbetterHealth.com. For more information on your right to receive an Ambetter Health plan free of discrimination, or your right to receive language, auditory and/or visual assistance services, please visit AmbetterHealth.com and scroll to the bottom of the page.