Open Enrollment for 2027 Health Coverage

Open enrollment is the yearly window when anyone can buy or change an individual or family health plan. For 2027 coverage on HealthCare.gov, it runs from November 1, 2026 through January 15, 2027. Several states that run their own marketplaces keep their windows open longer.

Key dates on HealthCare.gov

November 1: open enrollment begins.
December 15: last day to pick a plan that starts January 1.
January 15: last day to enroll; coverage starts February 1.

Want this done for you?

Licensed agents compare plans from several carriers, check your doctors and estimate your subsidy. Free to you.

Call 866-645-8540

If you already have a marketplace plan

Return and review it. Prices, networks and insurers change every year. If you do nothing, you may be automatically renewed into the same or a similar plan, but your subsidy is only right if your income information is current.

If you miss the deadline

You'll need a qualifying life event to enroll before next fall, such as losing other coverage, moving, getting married or having a baby. People who qualify for Medicaid or CHIP can apply any time of year.

Getting ready

Estimate your household income for 2027.
List your doctors, hospitals and prescriptions.
Gather Social Security numbers and immigration documents for everyone applying.

A licensed agent can compare plans and handle enrollment with you before the deadline.