Updated October 30, 2026 · MarketplaceHQ guidance
Open Enrollment
On HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; enrolling by December 15 can allow coverage to start January 1, 2027 if the first premium is paid. Dates may differ in states that run their own exchange. HealthCare.gov
Confirm the dates that apply to your Marketplace and plan before you make a decision.
A change in your life
Losing qualifying coverage, getting married, having a baby or certain moves may qualify you for a Special Enrollment Period. HealthCare.gov
Tell the agent what changed and when; eligibility and documentation depend on the event.
Keeping or changing your plan
Review your application and coverage during Open Enrollment rather than assuming an automatic renewal still fits your needs. HealthCare.gov
Bring the renewal notice and questions about costs, doctors and prescriptions.
Plan options vary by state and area.