Plan year 2027
Open Enrollment dates and deadlines
Open Enrollment is the yearly window to sign up for a Marketplace plan or change the one you have. Here are the dates and what to do if you miss them.
- Special Enrollment
- Usually 60 days
- Federal Marketplace
- HealthCare.gov
- Medicaid & CHIP
- Apply any time
Key dates on HealthCare.gov
The federal timeline
November 1, 2026
Open Enrollment begins
2027 plans become available to compare and buy. Current enrollees can review their plan and switch.
December 15, 2026
Deadline for January 1 coverage
Enroll by this date for coverage that starts January 1, 2027.
January 15, 2027
Open Enrollment ends
Plans chosen from December 16 through this date start February 1, 2027. After this, you need a Special Enrollment Period to enroll.
Special Enrollment Periods
Missed Open Enrollment?
Outside Open Enrollment, you can enroll in or change a Marketplace plan only after a qualifying life event. You usually have 60 days from the event to pick a plan, and some events need documents to confirm them.
ProtecWise clients can upload these documents securely in the client portal.
Common qualifying life events
- Losing other health coverage, such as job-based coverage or Medicaid
- Moving to a new ZIP code or county
- Getting married
- Having a baby or adopting a child
Medicaid and CHIP don't have an enrollment period. You can apply any time.
Ready to compare 2027 plans?
See estimated premiums and savings for your household, then enroll online or with a licensed agent.