CoveragePath answer · Updated 2026-10-05
2027 ACA Open Enrollment: November 1 through December 15
Marketplace Open Enrollment for 2027 coverage begins November 1. On HealthCare.gov it ends December 15, 2026.
Quick answer
On the federal platform (HealthCare.gov), Open Enrollment for 2027 coverage runs November 1 through December 15, 2026, and coverage starts January 1, 2027. State-based Exchanges set their own windows, which must start by November 1, end by December 31, and last no more than nine weeks.
The dates, by Marketplace type
| Marketplace | Open Enrollment | Coverage starts |
|---|---|---|
| Federal platform (HealthCare.gov) | November 1 to December 15, 2026 | January 1, 2027 |
| State-based Exchange | Set by the state: starts no later than November 1, ends no later than December 31, no longer than nine weeks | January 1, 2027 |
After the window closes, most people need a qualifying Special Enrollment Period to enroll or change plans.
Why you may still see the old end date
This is a plan-year change that began with 2027 coverage, and CMS's final rule is the source for it. Some general HealthCare.gov pages still describe the former mid-January end date, so a page can look authoritative and still be out of date for 2027. When two sources disagree, use the plan-year-specific rule and confirm in your Marketplace account.
Prepare now
What should I do before November 1?
Estimate your expected 2027 household income, confirm who will be in your tax household, list the doctors and prescriptions you want covered, and review your current plan. Marketplace savings use your expected income for the coverage year, so current information matters.
Sources
- CMS: 2025 Marketplace Integrity and Affordability final rule fact sheet
- HealthCare.gov: apply and enroll
CoveragePath is an independent educational resource, not HealthCare.gov and not a Marketplace eligibility determination.
Build the full Marketplace picture
This answer covers one part of an ACA decision. Use the ACA Marketplace guide for the broader path through eligibility, savings, enrollment timing and plan comparison.