2027 Health Insurance Marketplace Open Enrollment starts November 1, 2026. On HealthCare.gov, Open Enrollment runs through January 15, 2027. Enroll by December 15 for coverage that starts January 1; enroll from December 16 through January 15 for coverage that starts February 1. State-based Marketplaces may use different dates.
When does 2027 Open Enrollment begin?
For HealthCare.gov, Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027. December 15 is the deadline to enroll in or change plans for coverage beginning January 1. If you enroll or change plans from December 16 through January 15, coverage generally starts February 1. State-based Marketplaces may use different dates, so verify the deadline that applies where you live.
Exact plan prices, carrier participation, provider networks, formularies, and benefits can change from one coverage year to the next. Do not assume that the plan you have today will work the same way in 2027.
What should you review before enrollment?
Household and income information
Marketplace savings are based on household and expected annual income information. Self-employed people should prepare a reasonable estimate of net self-employment income and update the Marketplace if business circumstances change.
Doctors and hospitals
Check each plan’s current provider directory, then confirm participation with both the carrier and the provider. Pay particular attention to specialists, hospitals, urgent care centers, behavioral-health providers, and out-of-area coverage.
Prescriptions
Review the plan’s current drug formulary, medication tiers, prior-authorization rules, quantity limits, and preferred pharmacies. Formularies can change annually.
Total cost—not only the premium
Compare the deductible, copayments, coinsurance, prescription costs, and out-of-pocket maximum. A low premium does not always produce the lowest total yearly cost.
A simple 2027 enrollment checklist
- Current policy and renewal notice
- Household members who need coverage
- Expected 2027 household income
- Preferred doctors, hospitals, and pharmacies
- Prescription list and dosages
- Monthly premium budget
- Deductible and out-of-pocket preferences
- Expected travel or out-of-state care needs
Can you enroll before November 1?
You may qualify for a Special Enrollment Period after certain life events, including losing qualifying coverage, moving, marriage, birth or adoption, and turning 26 and losing coverage through a parent. Learn more about coverage outside Open Enrollment. Medicaid and CHIP applications may be submitted year-round for eligible applicants.
Get ready before the rush
Jaron Harrison Insurance helps individuals, families, and self-employed people organize the information needed to compare available coverage. Request a coverage review to discuss your household, budget, doctors, prescriptions, and priorities.
Sources: https://www.healthcare.gov/small-businesses/learn-more/self-employed/ and https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/
Important: This article provides general educational information and is not tax, legal, or medical advice. Dates, eligibility, savings, prices, benefits, provider networks, formularies, and plan availability can change and may vary by state. This website is not the Health Insurance Marketplace website. For official Marketplace information, visit HealthCare.gov.
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