Health insurance open enrollment 2027: every state's deadline

When is open enrollment for health insurance in 2027? Dates by state

Dates checked against each official state exchange and HealthCare.gov on November 11, 2026. Each “Where to enroll” name links to the official site, and the full source list is at the bottom of this page. Where an exchange hasn't published a January 1 deadline, we say so instead of guessing. Dates can change, so always confirm with your exchange.

Missed the December 15 deadline?

In most HealthCare.gov states, December 15, 2026 is the day to enroll if you want Marketplace coverage that starts January 1, 2027. Open enrollment itself continues through January 15, 2027. If you enroll between December 16 and January 15, coverage typically starts February 1. Some state-run exchanges use different dates — Idaho's exchange ends December 15, 2026, Vermont ends December 28, 2026, and a few states run later than January 15. Use the state table on this page to confirm yours.

If you miss December 15, you have not necessarily missed open enrollment. You can still enroll in a Marketplace plan through January 15 in most states, with a February 1 start. If you miss the January 15 end date as well, Marketplace plans generally wait for the next open enrollment or for a Special Enrollment Period (for example, after a qualifying life event). Licensed private plans and, where they are sold, short-term plans can be applied for year-round and do not use the Marketplace calendar. Federal premium tax credits apply only to qualifying Marketplace plans.

See missed open enrollment for a fuller walk-through, or request a quote on private plan options. If your Marketplace insurer is not offering 2027 plans, see what to do when a Marketplace insurer is leaving.

What happens after the deadline

After open enrollment, private plans and short-term plans (where sold) can still be bought year-round. See missed open enrollment.

For this year's biggest changes, including the new HSA rule for bronze plans, read open enrollment for 2027 coverage: key dates and what's changing.

Frequently asked questions

Related guides

• Catastrophic plan eligibility in 2027
• Molina leaving the Marketplace in 2027
• Year-round health insurance enrollment
• HSA-eligible bronze plans in 2027
• ACA subsidies in 2027
• Missed open enrollment options
• Private health insurance vs HealthCare.gov in Texas
• Special enrollment period checker
• Health insurance after moving to a new state
• Health insurance after divorce or legal separation
• Health insurance by state

Plan availability and eligibility are determined by the carrier.