Open Enrollment 2027 Dates for Health Insurance: State-by-State ACA Guide

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If you buy your own health insurance, the key answer is this: ACA open enrollment for 2027 coverage runs from November 1, 2026, through January 15, 2027 in most states that use HealthCare.gov. To have coverage start on January 1, 2027, most HealthCare.gov shoppers must enroll by December 15, 2026 and pay the first premium on time. People who enroll from December 16 through January 15 generally start coverage on February 1, 2027. 1

This guide is for ACA Marketplace individual and family health insurance, not Medicare, employer benefits, Medicaid-only renewals, or short-term insurance. CMS has also confirmed that open enrollment at the federally facilitated marketplace begins November 1, 2026 and ends January 15, 2027. 2

Safety note: Health insurance rules are legal, tax, and financial rules. Use this guide for general education, then confirm your deadline on your official marketplace account or with a certified assister before choosing a plan.

state-deadlines-2027Download

ACA vs. Medicare vs. employer open enrollment

Do not mix these deadlines:

  • ACA Marketplace open enrollment is for people buying individual or family coverage through HealthCare.gov or a state marketplace. The federal marketplace dates for 2027 coverage are Nov. 1, 2026–Jan. 15, 2027. 1
  • Medicare open enrollment runs October 15–December 7 each year, with changes effective January 1. 41
  • Employer open enrollment is set by each employer and may not match ACA or Medicare dates.

If you are eligible for Medicaid or CHIP, you can apply any time of year; open enrollment is mainly for private Marketplace plans. 1

2027 open enrollment dates by state

Table note: States marked “HealthCare.gov / federal platform” follow the federal marketplace schedule shown by HealthCare.gov and CMS. CMS also lists which states are federal marketplace, state-based marketplace using the federal platform, or full state-based marketplace for plan year 2027. 1 2 3

State / DCWhere to enroll2027 open enrollment windowJanuary 1 coverage cutoff
AlabamaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
AlaskaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
ArizonaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
ArkansasHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
CaliforniaCovered CaliforniaNov. 1, 2026–Jan. 31, 2027Dec. 31, 2026 5
ColoradoConnect for Health ColoradoNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026 6
ConnecticutAccess Health CTOct. 23, 2026–Jan. 15, 2027Dec. 15, 2026 7
DelawareHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
District of ColumbiaDC Health LinkNov. 1, 2026–Jan. 31, 2027Dec. 15, 2026 8
FloridaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
GeorgiaGeorgia AccessNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026 9
HawaiiHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
IdahoYour Health IdahoOct. 15, 2026–Dec. 15, 2026Dec. 15, 2026 10
IllinoisGet Covered IllinoisNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026 11
IndianaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
IowaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
KansasHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
KentuckykynectNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026 12
LouisianaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
MaineCoverME.govNov. 1, 2026–Jan. 15, 2027Dec. 15, usually; confirm in account 13
MarylandMaryland Health ConnectionNov. 1, 2026–Jan. 15, 2027Dec. 31, 2026 14
MassachusettsMassachusetts Health ConnectorOct. 23, 2026–Jan. 23, 2027Dec. 23, 2026 15
MichiganHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
MinnesotaMNsureNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026 16
MississippiHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
MissouriHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
MontanaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
NebraskaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
NevadaNevada Health LinkNov. 1, 2026–Jan. 15, 2027Dec. 31, 2026 17 18
New HampshireHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
New JerseyGet Covered New JerseyNov. 1, 2026–Jan. 31, 2027Dec. 31, 2026 19 20
New MexicoBeWellNov. 1, 2026–Jan. 15, 2027Dec. 31 shown by BeWell for Jan. 1 coverage; confirm in account 21 22
New YorkNY State of HealthNov. 1, 2026–Jan. 31, 2027Usually Dec. 15; confirm in account 23
North CarolinaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
North DakotaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
OhioHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
OklahomaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
OregonExplore HealthNov. 1, 2026–Jan. 15, 2027Check Explore Health account 24
PennsylvaniaPennieNov. 1, 2026–Jan. 15, 2027Dec. 15, usually; confirm in account 26
Rhode IslandHealthSource RINov. 1, 2026–Jan. 31, 2027Enroll/pay by Dec. 23 to receive card before Jan. 1 27
South CarolinaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
South DakotaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
TennesseeHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
TexasHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
UtahHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
VermontVermont Health ConnectNov. 1, 2026–Dec. 15, 2026Dec. 15, 2026 28
VirginiaVirginia’s Insurance MarketplaceNov. 1, 2026–Jan. 29, 2027Dec. 15, 2026 29 30
WashingtonWashington HealthplanfinderNov. 1, 2026–Jan. 15, 2027Dec. 31, 2026 31
West VirginiaHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
WisconsinHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026
WyomingHealthCare.gov / federal platformNov. 1, 2026–Jan. 15, 2027Dec. 15, 2026

The deadline that matters most: when your coverage starts

For many people, the “real” deadline is not the final open enrollment date. It is the deadline for coverage to start January 1, 2027.

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In HealthCare.gov states, the timing is simple:

If you enrollCoverage generally starts
Nov. 1–Dec. 15, 2026Jan. 1, 2027
Dec. 16, 2026–Jan. 15, 2027Feb. 1, 2027

HealthCare.gov says coverage starts January 1 for people who enroll by December 15 and pay their first premium, and coverage starts February 1 for people who enroll from December 16 through January 15 and pay their first premium. 1

State marketplaces can be different. For example, California, Maryland, Nevada, New Jersey, and Washington publish a December 31 cutoff for January 1 coverage, while Massachusetts uses December 23 for January 1 coverage. 5 14 18 20 31 15

What changed for 2027 and why old dates may be wrong

Some older pages mention a shorter 2027 open enrollment window because CMS finalized a rule in 2025 that would have shortened open enrollment beginning with plan year 2027. 4

But CMS later stated that open enrollment at the federally facilitated marketplace will begin November 1, 2026 and end January 15, 2027, after court action affected the rule. 2

That is why you may see conflicting dates online. The safest approach is:

  1. Find your state in the table above.
  2. Use only the official marketplace link for your state.
  3. Confirm your personal plan effective date before paying.

2027 cost and subsidy issues to check before enrolling

Dates are only half the decision. For 2027, many shoppers should pay extra attention to income, tax credits, and out-of-pocket costs.

1. Premium tax credits still depend on income

The IRS says premium tax credit eligibility generally depends on household income, marketplace enrollment, and whether the person has access to affordable employer or government coverage. 32

For 2027 coverage, marketplace subsidy calculations use federal poverty guideline information. HHS lists the 2026 poverty guideline for the 48 contiguous states and D.C. as $15,960 for one person and $33,000 for a family of four; Alaska and Hawaii have higher guidelines. 33

2. Income estimates matter more when your income changes

If you are self-employed, a contractor, recently unemployed, or paid irregularly, update your marketplace application when your income changes. The IRS states that if advance premium tax credit payments are more than the allowed credit, some or all excess payments may have to be repaid when filing taxes. 32

The IRS also lists removal of limitations on repayment of excess advance premium tax credit for tax years beginning after December 31, 2025. 42

3. 2027 contribution percentages changed

IRS Revenue Procedure 2026-26 provides the 2027 premium tax credit applicable percentage table and sets the 2027 required contribution percentage at 10.22%. 34

In plain English: do not rely on last year’s subsidy amount. Recalculate during open enrollment.

4. Out-of-pocket maximums are higher in 2027

CMS guidance sets the 2027 maximum annual limitation on in-network cost sharing at $12,000 for self-only coverage and $24,000 for other than self-only coverage. 35

That does not mean every plan has that high of a maximum, but it means the worst-case in-network cost-sharing limit can be higher than many shoppers expect.

5. Immigration-status rules for savings changed

HealthCare.gov states that starting January 1, 2027, only people with certain immigration statuses can qualify for lower marketplace plan costs, while other lawfully present statuses may still be eligible for Marketplace coverage without savings. 36

CMS also finalized 2027 rules aligning APTC eligibility with legislation limiting eligibility to “eligible noncitizens.” 37

If this could affect you, do not guess. Use the official marketplace or a certified assister.

How to prepare before you pick a plan

Before open enrollment starts, gather the basics:

  • Household members and birth dates.
  • Social Security numbers or immigration document numbers, if applicable.
  • Estimated 2027 household income.
  • Current doctors, clinics, hospitals, and prescriptions.
  • Employer coverage information, if anyone in the household is offered job-based coverage.
  • Your 2026 plan notice, if you are renewing.

HealthCare.gov recommends getting ready before open enrollment by checking potential savings, estimating income, using its application checklist, and finding local help. 40

When comparing plans, do not choose by premium only. Marketplace plans cover ten essential health benefits, but specific covered services, provider networks, drug formularies, deductibles, copays, and out-of-pocket costs can vary. 38

A practical comparison should include:

  1. Premium: what you pay each month.
  2. Deductible: what you pay before much of the plan starts paying.
  3. Out-of-pocket maximum: your worst-case in-network cost-sharing exposure.
  4. Doctors and hospitals: whether your preferred providers are in-network.
  5. Prescription drugs: whether your medications are covered and at what tier.
  6. Total annual cost: premium plus expected care costs.
  7. First premium payment: coverage usually is not active until the first payment is made.

You can get marketplace-certified help from assisters or agents/brokers; HealthCare.gov says assisters are trained and certified to provide fair, impartial, accurate information, while agents and brokers are licensed and may be paid by insurers. 39

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If you miss open enrollment

If you miss your open enrollment deadline, you usually cannot enroll in or change a Marketplace plan unless you qualify for a Special Enrollment Period. HealthCare.gov lists life events such as losing other coverage, moving, getting married, or having a baby as examples that may qualify. 1

You may still apply any time if you qualify for Medicaid or CHIP. 1

Do not wait until the last day if you need help. Marketplace websites, call centers, brokers, and navigators are busiest near major deadlines.

2027 ACA State Deadline Lookup Table

2027 ACA Open Enrollment Deadline Lookup

Search by state to find the official marketplace, open enrollment window, January 1 coverage cutoff, and final enrollment deadline. Always verify payment deadlines inside the official marketplace account before publishing or enrolling.

StateOfficial marketplaceOpen enrollment windowEnroll by for Jan. 1 coverageFinal deadlineDeadline pattern / notes
AlabamaAL HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
AlaskaAK HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
ArizonaAZ HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
ArkansasAR HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
CaliforniaCA Covered California Nov. 1, 2026 – Jan. 31, 2027 Dec. 31, 2026 Jan. 31, 2027 Extended close after Jan. 15
Extended state-run window.
ColoradoCO Connect for Health Colorado Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
State marketplace; same final close as HealthCare.gov.
ConnecticutCT Access Health CT Oct. 23, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Early start / special schedule
Early start; Jan. 15 close.
DelawareDE HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
District of ColumbiaDC DC Health Link Nov. 1, 2026 – Jan. 31, 2027 Dec. 15, 2026 Jan. 31, 2027 Extended close after Jan. 15
Jan. 16–Jan. 31 selections generally start Mar. 1.
FloridaFL HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
GeorgiaGA Georgia Access Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
State marketplace; same final close as HealthCare.gov.
HawaiiHI HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
IdahoID Your Health Idaho Oct. 15, 2026 – Dec. 15, 2026 Dec. 15, 2026 Dec. 15, 2026 Early close by Dec. 15
Earliest close; do not wait until January.
IllinoisIL Get Covered Illinois Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
State-based marketplace.
IndianaIN HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
IowaIA HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
KansasKS HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
KentuckyKY kynect Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
State marketplace.
LouisianaLA HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
MaineME CoverME.gov Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 (verify in account) Jan. 15, 2027 Jan. 15 final deadline
Confirm effective date in your CoverME.gov account before payment.
MarylandMD Maryland Health Connection Nov. 1, 2026 – Jan. 15, 2027 Dec. 31, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Jan. 1–15 for Feb. 1 coverage.
MassachusettsMA Massachusetts Health Connector Oct. 23, 2026 – Jan. 23, 2027 Dec. 23, 2026 Jan. 23, 2027 Early start / special schedule
Early start and extended close; premium payment timing matters.
MichiganMI HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
MinnesotaMN MNsure Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
State marketplace.
MississippiMS HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
MissouriMO HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
MontanaMT HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
NebraskaNE HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
NevadaNV Nevada Health Link Nov. 1, 2026 – Jan. 15, 2027 Dec. 31, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Jan. 1–15 for Feb. 1 coverage.
New HampshireNH HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
New JerseyNJ Get Covered New Jersey Nov. 1, 2026 – Jan. 31, 2027 Dec. 31, 2026 Jan. 31, 2027 Extended close after Jan. 15
Extended state-run window.
New MexicoNM BeWell Nov. 1, 2026 – Jan. 15, 2027 Dec. 31, 2026 Jan. 15, 2027 Jan. 15 final deadline
Confirm current effective-date rules in BeWell account.
New YorkNY NY State of Health Nov. 1, 2026 – Jan. 31, 2027 Dec. 15, 2026 (verify in account) Jan. 31, 2027 Extended close after Jan. 15
Extended state-run window; confirm 2027 effective date in account.
North CarolinaNC HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
North DakotaND HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
OhioOH HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
OklahomaOK HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
OregonOR Explore Health Nov. 1, 2026 – Jan. 15, 2027 Verify in Explore Health account Jan. 15, 2027 Jan. 15 final deadline
Oregon moved to Explore Health for 2027 coverage.
PennsylvaniaPA Pennie Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 (verify in account) Jan. 15, 2027 Jan. 15 final deadline
Confirm effective date and payment deadline in Pennie account.
Rhode IslandRI HealthSource RI Nov. 1, 2026 – Jan. 31, 2027 Dec. 23, 2026 recommended to receive card before Jan. 1 Jan. 31, 2027 Extended close after Jan. 15
Extended state-run window; payment timing matters.
South CarolinaSC HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
South DakotaSD HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
TennesseeTN HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
TexasTX HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
UtahUT HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
VermontVT Vermont Health Connect Nov. 1, 2026 – Dec. 15, 2026 Dec. 15, 2026 Dec. 15, 2026 Early close by Dec. 15
Early close; do not wait until January.
VirginiaVA Virginia’s Insurance Marketplace Nov. 1, 2026 – Jan. 29, 2027 Dec. 15, 2026 Jan. 29, 2027 Extended close after Jan. 15
Extended final deadline to Jan. 29.
WashingtonWA Washington Healthplanfinder Nov. 1, 2026 – Jan. 15, 2027 Dec. 31, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Jan. 1–15 for Feb. 1 coverage.
West VirginiaWV HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
WisconsinWI HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
WyomingWY HealthCare.gov / federal platform Nov. 1, 2026 – Jan. 15, 2027 Dec. 15, 2026 Jan. 15, 2027 Jan. 15 final deadline
Enroll Dec. 16–Jan. 15 for coverage generally starting Feb. 1.
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Last researched: Oct. 3, 2026. This module is editorial information, not legal, tax, medical, or insurance advice.

FAQs

When is open enrollment for 2027 health insurance?

For most HealthCare.gov states, ACA open enrollment for 2027 coverage is November 1, 2026 through January 15, 2027. 1 2

What is the deadline for health insurance to start January 1, 2027?

In HealthCare.gov states, enroll by December 15, 2026 for coverage starting January 1, 2027. Some state marketplaces use different cutoffs, such as December 23 or December 31. 1

Is open enrollment the same in every state?

No. Many states follow the federal schedule, but several state marketplaces have different start dates, end dates, or January 1 coverage cutoffs. CMS lists marketplace types by state for plan year 2027. 3

Can I get ACA insurance after January 15, 2027?

Usually only if you qualify for a Special Enrollment Period, such as losing other coverage, moving, getting married, or having a baby. Medicaid and CHIP enrollment can happen year-round for eligible people. 1

Do I have to use HealthCare.gov?

Only if your state uses HealthCare.gov or the federal platform. If your state runs its own marketplace, use that state’s official website. CMS lists state marketplace types for plan year 2027. 3

Sources

  1. When can you get health insurance? — HealthCare.gov, current 2027 open enrollment page. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
  2. Updated Statement regarding the Failure to File and Reconcile requirement for Plan Years 2026-2027 — CMS, July 27, 2026. https://www.cms.gov/files/document/ftr-requirement-py26-27-statement.pdf
  3. States by Marketplace Type (FFM/SBM-FP/SBM) for Plan Year 2027 — CMS, last modified Sept. 1, 2026. https://www.cms.gov/marketplace/in-person-assisters/training-webinars/training/marketplaces-map
  4. 2025 Marketplace Integrity and Affordability Final Rule — CMS, June 23, 2025. https://www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-final-rule
  5. Covered California Announces Premium Change for 2027 Dental Plans — Covered California, Aug. 25, 2026. https://www.coveredca.com/press-releases/2026/08/25/covered-california-announces-premium-change-for-2027-dental-plans-while-continuing-to-deliver-affordable-coverage-options/
  6. What’s New — Connect for Health Colorado, accessed Oct. 2026. https://connectforhealthco.com/resources/health-insurance-101/whats-new/
  7. Enrollment: Contact Access Health CT — Access Health CT Help Center, accessed Oct. 2026. https://help.accesshealthct.com/en_US/enrollment-contact-ahct-
  8. During open enrollment, when do I have to select a plan, and when will my plan take effect? — DC Health Link. https://www.dchealthlink.com/faqs/during-open-enrollment-when-do-i-have-select-plan-and-when-will-my-plan-take-effect
  9. Renew or Update Coverage — Georgia Access, accessed Oct. 2026. https://georgiaaccess.gov/renew-or-update-coverage/
  10. Frequently Asked Questions — Your Health Idaho, accessed Oct. 2026. https://www.yourhealthidaho.org/browse-frequently-asked-questions
  11. Get Covered Illinois Broker Webinar: Open Enrollment Plan Year 2027 — Get Covered Illinois, July 16, 2026. https://getcovered.illinois.gov/content/dam/soi/en/web/getcovered/v2-assets/broker-resources/July%2016,%202026%20GCI_SBM%20Broker%20Webinar%20(accessible).pdf
  12. kynect Home — Kentucky kynect, accessed Oct. 2026. https://kynect.ky.gov/s/?language=en_US
  13. Learn — CoverME.gov, accessed Oct. 2026. https://www.coverme.gov/index.php/learn
  14. Frequently Asked Questions — Maryland Health Connection, accessed Oct. 2026. https://www.marylandhealthconnection.gov/faqs/
  15. Health Connector 2027 Pre-Open Enrollment Social Media Toolkit — Massachusetts Health Connector, Aug. 13, 2026. https://www.mahealthconnector.org/about/pressroom/social-media-toolkit/pre-open-enrollment-2027-toolkit
  16. 2027 Open Enrollment Hours Announced — MNsure, Oct. 2, 2026. https://www.mnsure.org/assister-central/announcements/index.jsp?id=34-750229
  17. Home — Nevada Health Link, accessed Oct. 2026. https://nevadahealthlink.com/
  18. When Can I Enroll? — Nevada Health Link Help Center. https://help.nevadahealthlink.com/hc/en-us/articles/360028559452-When-Can-I-Enroll
  19. NJDOBI: Get Covered New Jersey 2027 Open Enrollment — New Jersey Department of Banking and Insurance, Aug. 10, 2026. https://www.nj.gov/dobi/pressreleases/pr260810.html
  20. GetCoveredNJ FAQs — State of New Jersey. https://www.nj.gov/getcoverednj/findanswers/faqs/
  21. Need Insurance? A Guide to Understanding Your Enrollment Options — BeWell New Mexico, June 30, 2026. https://bewellnm.com/blogs/open-enrollment-special-enrollment/
  22. Last Days to Get Coverage for the New Year! — BeWell New Mexico, Dec. 29, 2025. https://bewellnm.com/media-and-downloads/coverage-for-new-year/
  23. Outreach Tool Kit — NY State of Health, accessed Oct. 2026. https://info.nystateofhealth.ny.gov/OutreachToolKit
  24. Understand your health insurance — Oregon Division of Financial Regulation, accessed Oct. 2026. https://dfr.oregon.gov/insure/health/pages/index.aspx
  25. Oregon to Launch Explore Health this November — Oregon Health Authority, Aug. 21, 2026. https://www.oregon.gov/oha/erd/pages/oregon-to-launch-explore-health-this-november-08.21.2026.aspx
  26. Enroll Now — Pennie, accessed Oct. 2026. https://pennie.com/learn/how-to-enroll-2/
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