Michigan Residents Urged to Prepare for Health Insurance Enrollment

The Michigan Department of Insurance and Financial Services (DIFS) is urging residents to prepare for the upcoming Health Insurance Marketplace Open Enrollment period, which begins on November 1, 2025, for coverage in 2026. This call to action comes in light of recent federal changes and the scheduled phase-out of certain tax credits that will affect health insurance options.

In anticipation of the enrollment period, DIFS recommends that residents gather their income and tax information early. This preparation will facilitate a smoother enrollment process as individuals assess their health insurance options. DIFS provides assistance for comparing plans and understanding the various choices available.

Several key changes to the enrollment process have been introduced. Notably, there will be a reduced 90-day window to amend any application errors. Additionally, insurance providers may not include 2026 premium details in their notifications, which could impact decision-making for enrollees. Furthermore, new proof of eligibility will be required to access subsidies, emphasizing the importance of being well-informed prior to enrolling.

Enrollment will conclude on January 15, 2026. However, those seeking coverage starting on January 1, 2026, must enroll by December 15, 2025. This timeline underscores the necessity for residents to act promptly to secure their health insurance.

To aid in this process, the Michigan Department of Insurance and Financial Services has released a video tutorial designed to help residents navigate the complexities of choosing health insurance during the open enrollment period. In addition to the video resources, free local assistance is offered through trained navigators who can be reached at 800-318-2596. These resources can also be accessed online at HealthCare.gov.

As the enrollment period approaches, DIFS emphasizes the importance of staying informed and prepared. By utilizing the available resources and understanding the new requirements, Michigan residents can make confident choices regarding their health insurance coverage for the upcoming year.