2027 open enrollment guide
Open enrollment for 2027: dates, deadlines, and your options.
Open enrollment for 2027 Marketplace coverage starts November 1, 2026. Here's what to know, and why it pays to compare before your plan renews automatically.
Key dates
These dates apply to HealthCare.gov, which most of my states use. A few states run their own enrollment websites and can set their own deadlines. Among the states where I'm licensed, Colorado, Georgia, Illinois, Kentucky, Maryland, Nevada, and Virginia run their own marketplaces, so check your state's site or ask me.
Miss the deadline and you generally can't buy a Marketplace plan until next year unless you have a qualifying life event, like losing other coverage, moving, getting married, or having a baby.
Don't let your plan renew on autopilot
If you do nothing, your current Marketplace plan often renews automatically. But premiums, networks, and drug lists change every year, and your plan may not even be offered in 2027. Spend a few minutes comparing before December 15.
If you don't get a subsidy, look beyond the Marketplace
The temporary rules that expanded Marketplace tax credits ended after 2025. Under current law, households earning more than 400% of the federal poverty level (about $63,840 for one person or $132,000 for a family of four for 2027 coverage) generally get no tax credit and pay full price.
If that's you, private plans are worth comparing. They're priced on health instead of income, and many can start any month of the year, not just during open enrollment. Here's how they compare.
Your open enrollment checklist
- Estimate your 2027 household income
- List your doctors, hospitals, and prescriptions
- Check whether your current plan is changing or ending
- Compare Marketplace and private prices for your household
- Enroll by December 15 for January 1 coverage
Get your exact quote
Tell me a little about your situation and I'll put your private and Marketplace options side by side. I usually reach out within one business day, and there's never a cost to you.
- Private and Marketplace plans compared side by side
- One licensed advisor, no call center
- No cost and no obligation
Common questions
When is open enrollment for 2027 health insurance?
On HealthCare.gov, open enrollment runs from November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1. States that run their own marketplaces may have different deadlines.
Can I get health insurance after open enrollment ends?
For Marketplace plans, only with a qualifying life event. Many private plans can be purchased any time of year.
Is Medicare open enrollment the same thing?
No. Medicare's annual enrollment period is separate and runs from October 15 to December 7.
Does it cost anything to get help?
No. My help is free to you; insurance companies pay advisors like me.
What clients say
Dalton was very informative and helpful! He made sure he explained everything we were doing and got my family the best coverage! A truly great person to work with!
Dalton has been a pleasure to work with. He's very knowledgeable, timely, and has went above and beyond to answer any questions we have had!