Open enrollment 2027 deadline: January 15 (December 15 for Jan. 1 coverage)
The 5-second answer
Open Enrollment for 2027 Marketplace health coverage runs November 1, 2026, to January 15, 2027, and you must enroll by December 15 for coverage starting January 1, per HealthCare.gov.
Updated (ET)
Open Enrollment for 2027 Marketplace health coverage runs November 1, 2026, to January 15, 2027, and you must enroll by December 15 for coverage starting January 1, per HealthCare.gov.
Dates apply to HealthCare.gov. Some states run their own marketplace with different deadlines. Outside Open Enrollment you need a qualifying life event for a Special Enrollment Period.
| Date | What happens | Source |
|---|---|---|
| November 1 | Open Enrollment starts | HealthCare.gov |
| December 15 | Last day for coverage starting January 1 | HealthCare.gov |
| January 1 | Coverage starts for December 15 enrollees | HealthCare.gov |
| January 15 | Open Enrollment ends | HealthCare.gov |
FAQ
When does open enrollment start?
When does open enrollment start?
November 1. (Source)
What is the open enrollment deadline?
January 15. (Source)
When must I enroll for coverage on January 1?
By December 15. (Source)
Can I enroll after January 15?
Only with a Special Enrollment Period. (Source)
Do state marketplaces have the same dates?
Not always; check your state marketplace. (Source)
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