ACA Marketplace Open Enrollment 2027: Dates, Shorter Window, Premium Tax Credits
The 2027 ACA open enrollment window runs November 1, 2026 to December 15, 2026—shorter than in past years, with full-year coverage starting January 1, 2027. Enrollment dates vary by state; most follow the federal schedule.
Key Dates and Deadlines
The annual ACA Marketplace open enrollment for 2027 coverage begins November 1, 2026. However, the window has been shortened compared to previous years: enrollment closes December 15, 2026 for coverage starting January 1, 2027. After December 15, you can still enroll through January 15, 2027, but coverage won't start until February 1.
In all states except Idaho, Connecticut, and Massachusetts, open enrollment for 2027 coverage will begin on November 1, 2026 (Idaho begins October 15; Connecticut and Massachusetts begin October 23).
What Changed and What It Means
ACA marketplace premiums rose by an average of 26% for 2026—the steepest increase in nearly a decade—and the enhanced premium tax credits that had reduced costs for millions of Americans since 2021 expired at the end of 2025. As a result, many households are paying significantly more for coverage in 2026, making it more important than ever to actively compare all available options rather than auto-renewing during the 2027 enrollment window.
Households below 138% of the Federal Poverty Level in expansion states often go to Medicaid instead, which has year-round enrollment.
For Expats and Newcomers
If you arrived in the US recently without employer coverage, November 2026 marks your mandatory annual window to select or change a Marketplace plan. Missing this deadline means you generally cannot enroll until the following year unless you experience a qualifying life event (such as marriage, birth, or job loss). Start gathering income documentation and comparing plans now; coverage begins the first of the month you enroll, so timing matters. Free help is available through certified navigators and brokers listed on HealthCare.gov.
Sources
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