Open enrollment is here. Discover how MPB Health offers affordable, year-round healthcare through medical cost sharing.
The Shift to a Smarter Way of Care
Every fall, millions of Americans renew their health plans during open enrollment. It’s the time of year when you can apply for or change your health insurance for the upcoming year.
But here’s something most people don’t realize, you don’t have to wait for open enrollment to take control of your healthcare.
If you’re frustrated with rising premiums, high deductibles, or confusing coverage rules, MPB Health offers an alternative available year-round.
What Is Open Enrollment?
Open enrollment typically runs from November 1 to January 15 for most Marketplace and employer-based plans. During this period, you can:
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Enroll in a new plan
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Renew or change your current plan
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Add or remove dependents
Outside of this window, you generally can’t make changes unless you have a qualifying life event (like marriage, new baby, or job loss).
A Year-Round Alternative: MPB Health
At MPB Health, we believe healthcare shouldn’t come with deadlines or sticker shock.
Our membership-based medical cost sharing plans help individuals, families, and small businesses access affordable healthcare all year long; no enrollment window required.
Through your MPB membership, you gain access to:
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$0 unlimited virtual urgent care (24/7/365)
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$0 virtual primary and behavioral health visits
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$0 24/7/365 pet telehealth
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Nationwide provider access
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Concierge support
- RX Discounts
Instead of paying high premiums, members share one another’s eligible medical expenses, creating a community that makes healthcare simple, transparent, and affordable.
Why Now Is the Best Time to Compare
As open enrollment is happening, it’s the perfect time to explore what else is out there.
You can:
- Compare your insurance renewal rate to MPB Health’s monthly contributions
- Understand how health sharing works before you lock into another year of high premiums
- Make an informed decision about your healthcare for 2026
Don’t rush into another year of traditional insurance without seeing if there’s a better fit for your lifestyle and budget.
Your Health. Your Choice. Your Timeline.
Open enrollment is temporary, but your health is year-round.
With MPB Health, you can join anytime and experience healthcare that works for you, not against you.
Because peace of mind shouldn’t come with an expiration date!
Frequently Asked Questions (FAQ)
Q: When is Open Enrollment for 2026
A: Open Enrollment for 2026 health insurance plans runs from November 1, 2025 through January 15, 2026 in most states. During this time, you can apply for, renew, or make changes to a traditional insurance plan.
Q: What happens if I miss Open Enrollment?
A: If you miss the Open Enrollment period, you typically can’t get a new insurance plan unless you qualify for a Special Enrollment Period (due to life changes like marriage, job loss, or a new baby). However, you can join MPB Health at any time, giving you immediate access to affordable, community-based healthcare without waiting for the next enrollment window.
Q: How is MPB Health different from traditional insurance?
A: MPB Health memberships provide medical cost sharing, concierge support, unlimited virtual care, mental health services, and pet telehealth, all while lowering monthly costs. It’s a flexible approach designed to reduce financial stress, though it’s not insurance.
Q: What services are included with MPB Health membership?
A: Every MPB Health membership includes:
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$0 unlimited 24/7/365 virtual urgent care
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$0 virtual primary and behavioral health visits
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$0 24/7 pet telehealth
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Nationwide provider access
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Concierge support to help you navigate care
Q: How do I join MPB Health?
A: Joining is simple. You can visit: Health Sharing Plans | Smarter Care with MPB Health | Home to learn more, compare options, and sign up online or contact our concierge team for personalized guidance.