Marketplace Special Enrollment Period (SEP) Changes for 2026: What You Need to Know

Open Enrollment and Special Enrollment rules are changing in 2026. If you’ve enrolled through the Marketplace before, you may notice stricter rules and tighter deadlines this year. Missing a step could mean losing your chance at coverage — so it’s important to be prepared.

1. Income & Job Loss Verification

In past years, many consumers could estimate income or report job loss and still enroll while documents were pending. That flexibility is going away. Starting in 2026, the Marketplace will require proof before enrollment is finalized. Missing the 30-day documentation deadline will result in a denied application.

2. Pregnancy & Newborn Coverage

Pregnancy and newborn coverage also require more attention in 2026. Delaying updates or missing documentation deadlines could affect both the baby’s coverage and the mother’s postpartum care.