Open Enrollment 2027 Key Dates

Here are the key dates for ACA Marketplace open enrollment for 2027 coverage on HealthCare.gov.

• November 1, 2026: Open enrollment begins. Apply for or change your coverage.
• December 15, 2026: Deadline to enroll for coverage that starts January 1, 2027.
• January 15, 2027: Last day to enroll. Coverage starts February 1, 2027 if you enroll between December 16 and January 15.

State-based exchanges can run different dates. Illinois and Connecticut end January 15, Massachusetts ends January 23, and California, New Jersey, New York and DC end January 31. Idaho ends December 15 and Rhode Island ends December 31.

If you miss open enrollment, you may still qualify for a Special Enrollment Period after a life event such as losing coverage, moving or having a baby.