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Book a free video or phone consultation2027 Open Enrollment dates
| Date | What happens |
|---|---|
| November 1, 2026 | Open Enrollment for 2027 coverage starts; 2027 plans and prices appear on HealthCare.gov |
| December 15, 2026 | Last day to pick a plan for coverage starting January 1, 2027 |
| December 16, 2026 to January 15, 2027 | Plans picked in this window start February 1, 2027 |
| January 15, 2027 | Open Enrollment ends |
Source: HealthCare.gov dates and deadlines. Federal rules on enrollment dates have been in litigation; always confirm on HealthCare.gov.
Your Open Enrollment checklist
- Update your income estimate for 2027. Savings are based on the coverage year, not last year.
- List your doctors, hospitals and prescriptions, then check them against each plan's network and drug list.
- Check whether your current insurer and plan are still offered for 2027 (see the 2027 insurer exit).
- Don't rely on automatic re-enrollment. Prices and tax credits change every year.
- Decide whether you also want dental or vision coverage.
Common questions
What if I miss December 15?
You can still pick a plan through January 15, 2027, but coverage starts February 1.
Can I enroll after January 15?
Only with a Special Enrollment Period, usually after a qualifying life event such as losing other coverage, moving, getting married or having a baby.
Talk it through with a licensed Tennessee agent. Free, no-pressure help comparing your options, by video or phone.
Book a free video or phone consultationSources
- HealthCare.gov, Dates and deadlines for 2027 health insurance. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- HealthCare.gov, Saving money on health insurance. https://www.healthcare.gov/lower-costs/
- HealthCare.gov, Special Enrollment Period. https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/
Checked October 24, 2026.