ACA Marketplace Open Enrollment Begins Nov. 1; Premiums Rise, Subsidies Reset
The 2027 ACA Marketplace open enrollment period opens November 1, 2026, and runs through January 15, 2027. Premiums are expected to increase for the second straight year, while federal subsidies revert to the original ACA formula as temporary enhancements expired, potentially raising costs for mid-to-high earners.
Key Dates and Deadlines
Open enrollment for 2027 coverage will run from November 1, 2026, through January 15, 2027, on HealthCare.gov. You must enroll by December 15, 2026, for coverage starting on January 1, 2027. If you enroll by January 15, 2027, your coverage will start on February 1, 2027.
Premium Changes and Subsidy Shifts
Premiums are increasing for people whose insurers are leaving the Marketplace. More importantly, enhanced premium tax credits expired and were not renewed, so premium tax credits for 2027 coverage go back to the original ACA formula, which uses a sliding scale tied to your income as a percentage of the federal poverty level. Insurers are requesting double-digit premium increases and the reinstated 400 percent income cliff will cut off subsidies for higher earning households entirely.
87% of Marketplace enrollees qualified for premium subsidies during the open enrollment period for 2026 coverage, but your subsidy amount may change based on the new formula.
What This Means for You
If you're an immigrant, international student, or expat with health insurance through the ACA Marketplace, act now to plan ahead: review your 2026 coverage and understand whether your subsidy will change. Some state-based marketplaces (like California and New York) have extended deadlines past December 15, so check your state's deadline. If your insurer is exiting your state, you'll need to switch to a new plan—don't assume your coverage will auto-renew at the same cost.
Sources
Independent app, not a government. General information, not advice. The official source:
