What to know as the annual sign-up window for health insurance arrives

Higher prices, less help and a government shutdown all hang over health insurance markets as shoppers start looking for coverage this week.

Higher prices, less help and a government shutdown all hang over health insurance markets as shoppers start looking for coverage this week.

The annual enrollment window for millions of people to pick an individual plan opens Saturday in nearly all states, and a heavy dose of politics weighs on this year’s search.

The federal government shut down earlier this month as Democrats in Congress demanded negotiations to extend enhanced tax credits that have helped people buy coverage the past few years. Republicans say they won’t negotiate until Democrats vote to reopen the government.

Stuck in the middle are insurance customers, many of whom will be facing the biggest premium hikes they’ve seen in years and may be forced to consider changing plans.

“It seems overwhelming, but it really is important to shop and consider your choices,” said Sara Collins, an insurance expert with the Commonwealth Fund.

Here’s how shoppers can respond:

The first deadline is in 6 weeks

Shoppers will have until Jan. 15 in most states to find a plan for 2026, but have to make their choice by Dec. 15 if they want coverage starting New Year’s Day.