Open Enrollment for 2026 health insurance through HealthCare.gov Marketplace begins November 1 with major changes to the Affordable Care Act (ACA) and Medicaid this year. Certified health counselors with Pisgah Legal Services offer free, unbiased help to Western North Carolina residents to understand their options and enroll by December 15 for coverage starting January 1.
“There are major changes this year that could affect your coverage and costs, which can be confusing,” said Mike McDonald, Managing Director at Pisgah Legal Services. “Even if you had Marketplace insurance last year, it’s important to review your options to make sure you are getting the best plan for your needs.”
There is an enrollment deadline of December 15 for coverage starting January 1, 2026, and a final enrollment deadline of January 15 for coverage starting February 1, 2026.
Some of the major changes to expect this year include:
- Majority of enrollees will face higher premium costs
- Autorenewals may not work as they have in the past
- DACA recipients will no longer be eligible for coverage
Pisgah Legal can help compare plans and make sure individuals and families have the right information amid this year’s changes. Make an appointment today by visiting pisgahlegal.org/health or calling 828-210-3404. The webpage also includes free step-by-step resource guides in English and Spanish to help people prepare for enrollment.
“Don’t assume your coverage will automatically renew,” said McDonald. “Let us help you get the facts about your options and make sure you’re covered for the year ahead.”
Bilingual Navigators are available to assist in Spanish, and free translation services are available for speakers of other languages.
ABOUT PISGAH LEGAL SERVICES
Pisgah Legal Services (PLS) provides a broad array of free, civil legal aid, anti-poverty advocacy and access to health care assistance in the 18-county WNC region. Last year, Pisgah Legal served more than 25,000 people and has been assisting the people of WNC since 1978.
PLS has offices in Asheville, Brevard, Burnsville, Cashiers, Franklin, Hendersonville, Highlands, Marshall, Newland, Rutherfordton, Spruce Pine and Waynesville. Pisgah Legal employs staff attorneys and harnesses the power of approximately 250 volunteer lawyers who assist PLS clients. For more information, please visit www.pisgahlegal.org.
