2027 Health Insurance Open Enrollment

2027 Open Enrollment FAQs

 

When is Open Enrollment for health insurance in 2027?

For states using HealthCare.gov, the 2027 Health Insurance Marketplace Open Enrollment Period begins November 1, 2026, and ends January 15, 2027. State-based Marketplaces may use different deadlines, so check the dates that apply in your state.

 

When does Open Enrollment start for 2027?

Open Enrollment for 2027 Marketplace health insurance starts November 1, 2026. This is the first day eligible consumers can enroll in a new plan, renew existing coverage or change Marketplace plans for 2027.

 

What is the deadline to enroll for coverage starting January 1, 2027?

Enroll in or change your Marketplace plan by December 15, 2026, for coverage that begins January 1, 2027. You must also pay your first monthly premium to the insurance company for your coverage to take effect.

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What happens if I enroll after December 15?

For states using HealthCare.gov, people who enroll between December 16, 2026, and January 15, 2027, generally have coverage beginning February 1, 2027. State-based Marketplace deadlines and effective dates may vary.

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Is ACA Open Enrollment the same as Marketplace Open Enrollment?

Yes. ACA Open Enrollment and Marketplace Open Enrollment generally refer to the annual period when individuals and families can enroll in health plans that comply with the Affordable Care Act. These plans may include coverage for essential health benefits and protections for people with preexisting conditions.

 

Who can enroll in Marketplace health insurance during Open Enrollment?

Open Enrollment is available to eligible individuals and families who need individual health insurance, including self-employed workers, freelancers, independent contractors, people without employer coverage and people who want to replace an existing individual plan.

Eligibility for a particular plan or financial assistance depends on factors such as your state, household, income and access to other qualifying coverage.

 

Can I compare 2027 health insurance plans online?

Yes. You can compare available 2027 Marketplace plans online by entering your ZIP code and household information. Depending on the available plan information, you may be able to review estimated premiums, deductibles, provider networks, prescription coverage and estimated financial assistance before choosing a plan.

Aura Insure allows you to compare available plans online without a mandatory sales call.

 

Can I qualify for help paying my health insurance premium?

You may qualify for a premium tax credit that lowers your monthly Marketplace health insurance premium. Eligibility is based on factors including household income, household size, location and access to other qualifying health coverage.

Some eligible consumers may also qualify for cost-sharing reductions that lower deductibles, copayments and other out-of-pocket expenses when enrolled in a qualifying Silver plan.

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What information do I need to enroll in a 2027 Marketplace plan?

It helps to have the following information available:

• Names and birth dates for everyone applying

• Home and mailing addresses

• Social Security numbers, when applicable

• Immigration documents for eligible household members, when applicable

• Estimated household income for 2027

• Information about employer-sponsored coverage available to household members

• Current doctors, medications and preferred hospitals

• Information about existing health insurance coverage

Having this information ready can make it easier to compare plans and complete your application.

 

Do I need to renew my current Marketplace plan for 2027?

Even if your current plan is eligible for automatic renewal, you should review your Marketplace application and compare available 2027 plans. Premiums, subsidies, provider networks, prescription coverage and plan availability can change from one year to the next.

Update your expected income and household information before reviewing your eligibility and plan options.

 

Can I change Marketplace plans during Open Enrollment?

Yes. Open Enrollment is the annual opportunity to renew your existing coverage or select a different Marketplace plan for the upcoming year. Before switching, check whether your doctors, hospitals and prescriptions are covered by the new plan.

 

What happens if my current insurance company or plan is no longer available?

If your current insurer or plan will not be available in 2027, compare the plans offered in your area before the enrollment deadline. Do not assume that an automatically selected replacement plan will have the same doctors, prescriptions, benefits or out-of-pocket costs.

 

What happens if I miss 2027 Open Enrollment?

Outside Open Enrollment, you generally need to qualify for a Special Enrollment Period to enroll in or change a Marketplace plan. Qualifying events may include losing other health coverage, getting married, having a baby or moving to a new coverage area.

Medicaid and the Children’s Health Insurance Program may accept applications throughout the year for people who qualify.

 

Is Marketplace health insurance the same as Medicare?

No. Marketplace health insurance is generally intended for people who do not have Medicare, Medicaid or qualifying employer-sponsored coverage. Medicare has separate eligibility rules and enrollment periods. If you are eligible for Medicare, review your Medicare coverage options rather than enrolling in a Marketplace plan.

 

How can I compare 2027 plans and estimated savings?

Enter your ZIP code and household information to review available 2027 Marketplace plans and estimated financial assistance. You can compare your options online and decide whether you want additional assistance from a licensed insurance agent.