When does 2027 health insurance open enrollment start?

The CMS final rule sets HealthCare.gov open enrollment for 2027 coverage at November 1 through December 15, 2026.

When does Marketplace open enrollment end for 2027?

For HealthCare.gov states, it ends December 15, 2026. That is the CMS final rule date for the federal platform. HealthCare.gov's dates page still lists January 15. A state exchange can publish its own end date.

2027 health insurance open enrollment

Q: Who can get savings on a 2027 Marketplace plan?

HealthCare.gov says that starting January 1, 2027, savings are limited to a Lawful Permanent Resident, a Cuban or Haitian entrant, or a Compact of Free Association migrant, if income qualifies. Other lawfully present people may still buy a plan at full price.

For HealthCare.gov states, 2027 open enrollment ends December 15, 2026. The CMS final rule sets that federal window at November 1 through December 15. HealthCare.gov's dates page still lists January 15. A state exchange can publish its own end date. This site does not enroll you. Last checked October 16, 2026.

Simple answer

Ends December 15, 2026.

That is the CMS final rule date for HealthCare.gov states. HealthCare.gov's dates page still lists January 15.

Dates

Open enrollment for 2027 coverage on HealthCare.gov ends December 15, 2026. The CMS final rule sets the federal platform at November 1 through December 15. Coverage selected by that date can start January 1 if the first premium is paid.

HealthCare.gov's dates page still lists January 15. Last checked October 16, 2026.

A state exchange can publish its own end date. The same rule says a state exchange must end by December 31.

Where to enroll

Some states use HealthCare.gov. Others run their own exchange. Open your state page for the link CMS lists.

Go to HealthCare.gov Find free local help

What is changing for 2027

Premiums. We did not find a 2027 premium table for your state. The June 20, 2025 CMS release says the final rule will lower individual premiums by about 5 percent on average, and save taxpayers up to $12 billion in 2026. That is the agency's estimate for the rule, not the price of a plan. Compare plans on the exchange.

Savings. HealthCare.gov says that starting January 1, 2027, lower monthly premiums and extra savings are limited to a Lawful Permanent Resident (green card holder), a Cuban or Haitian entrant, or a Compact of Free Association migrant, if income qualifies. Other lawfully present statuses may still buy a plan and pay full price. The CMS plan year 2027 guidance says the same limit on advance premium tax credits and cost-sharing reductions. Last checked 2026-10-16.

HealthCare.gov also says Deferred Action for Childhood Arrivals recipients are not eligible for Marketplace coverage. The June 20, 2025 CMS rule says HHS reinstated that exclusion.

We do not ask for an immigration status, a Social Security number, or income on this page.

Free local help

HealthCare.gov has a finder for an assister, agent, or broker. Help should be free. A person who charges a fee to enroll you is not the Marketplace. We do not list names or phone numbers of local offices.

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Last checked: October 16, 2026

Sources

CMS fact sheet, 2025 Marketplace Integrity and Affordability final rule Sets the federal platform at November 1 through December 15, beginning with plan year 2027.
Federal Register, Marketplace Integrity and Affordability final rule Dated 2025-06-25. Same federal-platform window, beginning with benefit year 2027.
HealthCare.gov dates and deadlines Still lists January 15. The HealthCare.gov end date on this site is the final-rule date, December 15, 2026.
CMS press release, Marketplace Integrity and Affordability final rule Dated 2025-06-20. Says every exchange ends by December 31. That is the outer cap, not the HealthCare.gov end date.
CMS 2025 Program Integrity Rule overview Also says the federal platform's 2027 open enrollment is November 1, 2026 through December 15, 2026.
CMS states by Marketplace type for plan year 2027
CMS state-based exchanges Updated 2026-08-13.
HealthCare.gov coverage for lawfully present immigrants Says savings are limited to three immigration statuses starting January 1, 2027.
CMS guidance on noncitizen APTC and CSR eligibility for plan year 2027
HealthCare.gov find local help

What changed

June 20, 2025. The CMS fact sheet sets HealthCare.gov open enrollment at November 1 through December 15 for plan year 2027, and December 31 as the latest end for any exchange.
June 25, 2025. The Federal Register states the same November 1 through December 15 window for the federal platform.
August 13, 2026. CMS updated the state-based exchange list that supplies the state website links.
October 16, 2026. HealthCare.gov's dates page still listed January 15. State end dates were copied only where the state published a 2027 date.