Individual Health Plans for 2026: What You Need to Know 

As we approach 2026, understanding your options for individual health insurance is more important than ever. Whether you’re self-employed, between jobs or simply seeking coverage outside of an employer plan, staying informed about upcoming changes and enrollment strategies can help you make the best decision for yourself and your family.

What’s Changing for 2026 Health Insurance?

Each year, health insurance plans may see updates in coverage, costs and provider networks. For 2026, policyholders shouldn’t be surprised to see adjustments in plan offerings, eligibility requirements and, possibly, new benefits or regulations. It’s important to review these changes carefully, as they can impact your premiums, out-of-pocket costs and access to preferred doctors or hospitals.

Key Considerations When Choosing a Plan

Selecting the right individual health plan involves more than just comparing monthly premiums. Keep the following factors in mind as the new year approaches:

• Coverage levels—Health plans can vary greatly in their capabilities and limitations. Consider your health needs and how often you visit doctors or specialists.
• Provider networks—Make sure your preferred health care providers are included in the plan’s network.
• Prescription coverage—Review the formulary to confirm that medications you need are covered.
• Out-of-pocket costs—Look at your plan’s deductibles, copays, coinsurance and out-of-pocket maximum to understand your total potential out-of-pocket expenses.
• Special programs—Some plans offer wellness incentives or telehealth services that may benefit you and your family.

Open Enrollment Tips for 2026

Open enrollment is your annual opportunity to sign up for or change your health insurance plan. For 2026, be sure to:

• Mark enrollment dates on your calendar to avoid missing deadlines. If you get your coverage through your employer, deadlines may vary.
• Gather necessary documents, such as income information and current health coverage details.
• Compare multiple plans to find the best fit for your needs and budget.
• Talk to a qualified health insurance professional to clarify plan details and identify all options.

How to Find the Right Plan

Navigating the world of 2026 health insurance doesn’t have to be overwhelming. The knowledgeable and experienced team at Swift Kennedy & Associates, Inc. understands the Pennsylvania health coverage landscape and can help you find the right plan.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.