ACA Open Enrollment for 2027 coverage runs through January 15.
The 2027 ACA Open Enrollment Period runs November 1, 2026 – January 15, 2027. Enroll by December 15 for January 1 coverage, or by January 15 for coverage starting February 1.
Enroll by December 15, 2026 for coverage starting January 1, 2027. Enroll by January 15, 2027 for coverage starting February 1. Missing the January 15 deadline means waiting until the next Open Enrollment Period.
Three dates to put on your calendar.
Open Enrollment begins
The first day you can enroll in, renew, or change your health plan for 2027 coverage.
Deadline for January 1 coverage
Enroll or change plans by this date and your coverage starts January 1, 2027.
Final enrollment deadline
The last day to enroll or change Marketplace plans for 2027. Coverage typically begins February 1.
If any of these sound like you, this window matters.
Open Enrollment is the one stretch each year when anyone can sign up for a Marketplace plan without a qualifying life event. Miss it, and you're likely waiting until next fall.
- Self-employed, freelancers, and small business owners
- Anyone between jobs or losing employer coverage
- Families looking for better coverage or lower premiums
- Current Marketplace enrollees who want to switch plans
- People who experienced a major life change in 2026
A 20-minute call goes faster with a few details in hand.
Bring these to our consultation and we can usually identify your best two or three plan options — and your real subsidy estimate — in a single conversation.
Schedule a Free ConsultationWhat to have ready
- Estimated 2027 household income
- Household size and dependents
- List of current doctors and specialists
- List of prescription medications and dosages
- Details of any current insurance plan
Need help understanding your options?
A 20-minute conversation can save you years of confusion and thousands in unexpected costs.