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2027 health insurance Open Enrollment dates
Marketplace Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 in states that use HealthCare.gov. Enroll by December 15, 2026 for a January 1 start. Official dates from HealthCare.gov and CMS.
The official HealthCare.gov calendar
The Open Enrollment Period to choose HealthCare.gov coverage for 2027 begins on November 1, 2026 and runs through January 15, 2027, according to CMS and HealthCare.gov. That window is open now.
HealthCare.gov lists these dates for Marketplace plans in states that use its website:
- November 1, 2026: Open Enrollment starts. You can enroll in, renew, or change plans for the coming year. Coverage can start as soon as January 1.
- December 15, 2026: Last day to enroll in or change plans for coverage to start January 1.
- January 1, 2027: Coverage starts for people who enroll or change plans by December 15 and pay their first premium.
- January 15, 2027: Open Enrollment ends. After this date, you can enroll in or change Marketplace plans only if you qualify for a Special Enrollment Period.
- February 1, 2027: Coverage starts for people who enroll or change plans from December 16 through January 15 and pay their first premium.
Some states use a different calendar
States that run their own Marketplaces can set different start or end dates. HealthCare.gov also notes a 2027 change for Oregon: starting November 1, Oregon residents use ExploreHealthOR.gov to enroll in 2027 coverage. If you live in a state-based Marketplace, confirm dates on the official state site. You can start at HealthCare.gov’s “Marketplace in your state” page, which points you there.
Job-based plans often have their own Open Enrollment Period, which is not the same as the Marketplace calendar. Medicare’s yearly Open Enrollment (October 15 through December 7) is also a different program.
How private, off-exchange plans fit in
This site is not HealthCare.gov and is not a government website. Some private, off-exchange plans accept applications outside the Marketplace calendar. Availability, medical underwriting, and benefits vary by state and carrier. A licensed agent can compare those options with Marketplace plans and tell you if a Marketplace plan would cost you less.
If your income may qualify you for premium tax credits or for Medicaid or CHIP, start with the official Marketplace for your state. You can also call HealthCare.gov at 1-800-318-2596 (TTY 1-855-889-4325).
Common questions
When does 2027 Marketplace Open Enrollment end?
In states that use HealthCare.gov, it ends on January 15, 2027. Some state-run Marketplaces use a different end date. Enroll by December 15, 2026 for coverage that starts January 1.
Can I still get a plan if I miss January 15?
After Open Enrollment, you can enroll in a Marketplace plan only if you qualify for a Special Enrollment Period, such as losing other coverage. Some private, off-exchange plans accept applications in other months. A licensed agent can explain which path applies.
Related guides
Reviewed November 13, 2026. Educational only — not insurance, tax or legal advice. This is not a government website.
Sources
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