As the end of the year approaches, so does the Open Enrollment period for the 2027 Health Insurance Marketplace in the United States.
Here are the key dates you should keep in mind:
- November 1: Open Enrollment begins—the first day you can enroll in, renew, or change health plans through the Marketplace for the upcoming year. Coverage can start as early as January 1.
- December 15: Last day to enroll or change plans for coverage to begin on January 1.
- January 1: Coverage begins for those who enroll or change plans by December 15 and pay their first premium.
- January 15: Open Enrollment ends—the last day to enroll in or change Marketplace health plans for the year. After this date, you can only enroll or change plans if you qualify for a Special Enrollment Period.
- February 1: Coverage begins for those who enroll or change plans between December 16 and January 15 and pay their first premium.
Additionally, certain life events—such as getting married, having a baby, becoming a dependent, moving, or losing health coverage—qualify you to apply for coverage between January 16 and October 31.