Open enrollment for 2027 Affordable Care Act marketplace plans begins November 1, 2026. With enhanced subsidies still available, millions of Americans can find affordable coverage.
Key Dates
- November 1, 2026: Open enrollment begins
- December 15, 2026: Deadline for January 1 coverage start
- January 15, 2027: Final deadline for 2027 coverage
Enhanced Subsidies
The enhanced premium tax credits from the Inflation Reduction Act have been extended through 2027. No one pays more than 8.5% of household income for the benchmark Silver plan. Households under 150% of poverty can get a $0 premium Bronze plan.
Plan Selection Tips
Don't just look at premiums. A cheap plan with a $8,000 deductible costs more than a pricier plan with a $2,000 deductible if you use healthcare regularly.
Check that your doctors and medications are covered before selecting a plan. Use Healthcare.gov's plan comparison tool to estimate total annual costs.
