Virginians have until Friday, Jan. 30 to enroll in health coverage for 2026 through Virginia’s Insurance Marketplace, officials said. Open enrollment is the only time of year when eligible people can sign up for or change plans without a qualifying life event. 

Plans offered through the Marketplace cover essential health benefits, including emergency services, hospitalization, maternity and newborn care, prescription drugs, mental health care and preventive services. Some health plans outside the Marketplace do not include all 10 essential benefits, which can leave gaps in coverage. 

The Marketplace is also the only place where Virginians can apply for financial assistance to reduce monthly insurance costs. 

“With monthly premium costs increasing this year for many consumers with the expiration of enhanced federal tax credits, it is more important than ever for Virginians to price shop and explore their options,” said Keven Patchett, director of the Health Benefit Exchange, the State Corporation Commission division that oversees the Marketplace. “Navigating health insurance can feel overwhelming, but the Marketplace provides tools, resources and free local assistance to help people understand their options and select a plan that best meets their needs and budget.” 

Virginia extended the open enrollment period by two weeks this year. After Jan. 30, people can enroll only if they qualify for a Special Enrollment Period due to a major life event such as losing coverage, getting married or having a baby. 

The Marketplace offers free resources to help people compare plans, estimate potential financial assistance and access a statewide network of more than 3,000 certified assisters and agents for in-person or virtual help. A help center is also available with phone support and translation services. 

People can visit marketplace.virginia.gov to browse plans, connect with local assisters and agents, and apply for coverage.