Enrollment periods
For 2027 coverage, open enrollment runs from November 1 to January 15. Outside that window you can only enroll if you've had a qualifying life event.
Open enrollment
It's the window when anyone can enroll without explaining or justifying anything.
- November 1
Enrollment opens
First day to enroll, renew or change your plan for 2027.
- December 15
Last day for coverage starting January 1
Enroll after this date and your coverage won't start on January 1.
- January 15
Enrollment closes
Last day to enroll or switch plans. Enroll between December 16 and this date and coverage starts February 1.
Special enrollment period
Certain life changes open a window to enroll outside open enrollment. The most common:
- Losing other coverage — by leaving a job, turning 26 and coming off a parent's plan, or losing Medicaid.
- Moving to another ZIP code or county where different plans are available.
- Getting married.
- Having a baby, adopting or taking in a foster child.
The window is limited and starts running from the event, so it's worth not letting it pass. You'll usually need a document proving it.
If you already have a plan with us
Your plan usually renews itself. Even so it's worth reviewing each year: premiums, doctor networks and the tax credit you qualify for all change from one year to the next, and last year's best plan may not be this year's.
Official dates: HealthCare.gov. To understand the financial help available, see subsidies and tax credits.