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Simplifying coverage for every stage of life.

There are many reasons why you might choose to explore an individual health plan: maybe you’re retiring early, preparing for a gap in employment, or you could be a 1099 employee. Then, there’s the major reason why you might be hesitant – it’s a complicated landscape.

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Fast Break: Big Beautiful Bill, Big Questions – The State of Individual Marketplace

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Rethinking Health Benefits: How ICHRAs and Alternative Care Models Are Reshaping Employer Coverage

Open enrollment is happening now.

Open Enrollment for 2026 Marketplace coverage runs from November 1, 2025 through January 15, 2026. To have your coverage start January 1, you must enroll by December 15, 2025.

Not sure where to start? Our FAQs cover what you need to know, and how M3 Elevate advisors an guide you every step of the way.

Open Enrollment for 2026 may be affected by whether enhanced premium tax credits (ePTCs) are extended beyond 2025. Without extension, many enrollees could see higher monthly premiums. Click here to learn more.

Network participation varies by carrier and plan. Before enrolling, review provider directories to ensure your preferred doctors and hospitals are included.

You’ll need your household income, Social Security numbers, current insurance information, and details for anyone applying for coverage with you. Our M3 Elevate team can help you compare plans, confirm provider networks, and ensure your coverage fits both your health needs and your budget.

If you miss the Open Enrollment window, you may still qualify for a Special Enrollment Period (SEP). Special Enrollment is available if you experience certain life changes—like losing employer coverage, moving, getting married, or having a baby. If none of these apply, you’ll need to wait until the next Open Enrollment period to make changes or enroll in a plan. M3 will continue to monitor updates and help you navigate any changes as they unfold.

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Open Enrollment brings new choices, and this year, a few unknowns. Stay informed and understand your options.

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Your health. Your plan.

When you decide to pursue an individual health plan, you have the entire marketplace at your disposal. Working with M3 Elevate ensures that you feel confident knowing your plans fit your needs – and your budget.

With personalized medical, dental, and vision solutions, you can customize your plan by choosing deductibles, copays, out-of-pocket limits, and preferred doctors, ensuring it meets your specific needs for comprehensive coverage.

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A flexible health benefit solution.

Proactive employers are increasingly considering ICHRAs—Individual Coverage Health Reimbursement Arrangements—as a flexible, cost-effective way to reimburse employees for individual health insurance. ICHRAs offer a tailored approach, but common misconceptions make them challenging to navigate.

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