ACA open enrollment for 2027: dates, subsidies, and avoiding enrollment scams

Open enrollment for 2027 Marketplace health coverage on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Pick a plan by December 15 for coverage that starts January 1; plans picked from December 16 to January 15 start February 1. States that run their own marketplace can set different deadlines. Information current as of September 13, 2026.

Key dates on HealthCare.gov

November 1, 2026: open enrollment begins.
December 15, 2026: deadline for coverage that starts January 1, 2027.
January 15, 2027: open enrollment ends. Plans chosen after December 15 start February 1.

A 2025 federal rule would have ended open enrollment on December 15 starting with 2027 coverage. After a June 2026 court ruling in City of Columbus v. Kennedy, CMS confirmed that open enrollment on HealthCare.gov will run through January 15, 2027.

If your state runs its own marketplace

Some states run their own marketplace and set their own open enrollment dates. Start at HealthCare.gov, which will send you to your state's site if needed.

Premium tax credits for 2027

The enhanced premium tax credits available from 2021 through 2025 expired at the end of 2025. As of September 13, 2026, Congress had not extended them. Under the underlying law, people with household income above 400% of the federal poverty level generally don't qualify for premium tax credits, and many people who still qualify get less help than before.

Update your expected 2027 income and household size in your application so your tax credit is calculated correctly.
Compare the total cost of plans, not just the monthly premium: a lower premium often comes with a higher deductible.

Automatic re-enrollment

If you do nothing, you may be automatically re-enrolled for 2027, sometimes in a different plan if yours is discontinued. Log in, update your information, and compare plans by December 15 if you want a change to start January 1.

Avoid scams and unauthorized changes

The Marketplace will never threaten you or ask for a credit card payment to keep or qualify for coverage.
Use Find Local Help on HealthCare.gov to find trained assisters and licensed agents or brokers.
If an agent enrolled you or switched your plan without your permission, call the Marketplace Call Center at 1-800-318-2596 (TTY 1-855-889-4325). You can also report fraud to the FTC at reportfraud.ftc.gov.

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Frequently asked questions

＋ When is the deadline to get health coverage that starts January 1, 2027?

On HealthCare.gov, pick a plan by December 15, 2026. Open enrollment continues through January 15, 2027, but later choices start February 1. State-run marketplaces may have different dates.

＋ Did the enhanced ACA subsidies come back for 2027?

As of September 13, 2026, Congress had not extended the enhanced premium tax credits that expired at the end of 2025. Check HealthCare.gov for the current rules when you apply.

＋ What should I do if someone changed my Marketplace plan without my permission?

Call the Marketplace Call Center at 1-800-318-2596 (TTY 1-855-889-4325). You can also report fraud to the FTC at reportfraud.ftc.gov.

Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.

Sources

When is open enrollment for 2027 health insurance on HealthCare.gov?