For Affordable Care Act marketplaces, health insurers typically finalize premiums in October and open enrollment typically begins on November 1.
October 07, 2025
high
temporal
Regular timing of insurer rate finalization and the start of ACA marketplace open enrollment.
Health insurers set premium rates in advance of a coverage year, so anticipated changes in subsidies or policy can influence premium pricing before the affected coverage year begins.
October 05, 2025
high
temporal
Describes how premium-setting timelines can cause future policy changes to affect premiums prior to the start of a coverage year.