Key dates
- November 1, 2026: Open Enrollment for 2027 coverage begins.
- December 15, 2026: enroll by this date on HealthCare.gov for coverage starting January 1.
- Final deadlines differ in some states that run their own marketplace. Check yours, or ask us.
1. Read your renewal notice, then don't trust it
Your carrier and the Marketplace will send renewal notices. The premium shown may be based on last year's income and subsidy. Your real 2027 price can be very different, especially now that the enhanced subsidies have expired.
2. Update your income estimate
Your tax credit depends on what you expect to earn in 2027. Got a raise, started a business, or expect less overtime? Update it. Underestimating can mean repaying credits at tax time, and repayment caps no longer apply for most households.
3. Check your doctors and hospital
Networks change every year. Search the carrier's 2027 directory by name and call the office to confirm they're taking your plan next year.
4. Check your prescriptions
Look up each medication on the plan's 2027 drug list. A drug that moves to a higher tier, or needs prior authorization, can cost far more.
5. Compare total cost, not just premium
Add up 12 months of premium plus your expected visits and prescriptions. Then add the out-of-pocket maximum to see your worst-case year.
6. Recheck Silver vs. Bronze
If your income qualifies for cost-sharing reductions, a Silver plan can come with a much lower deductible. If you're healthy and over the subsidy cliff, a Bronze plan with an HSA may be the better deal.
7. Report life changes
Marriage, divorce, a new baby, a move or a child turning 26 all affect who should be on the plan and what you qualify for.
8. Confirm and pay your first premium
Coverage isn't active until the first payment, called a binder payment, is made. Set up autopay so January claims don't get denied.
If you have employer coverage
Your employer's open enrollment usually runs on its own schedule, often in the fall. If the family premium is high, check whether your spouse or kids could qualify for a Marketplace tax credit under the family affordability rule.
Frequently asked questions
When is Open Enrollment for 2027?
It starts November 1, 2026. On HealthCare.gov, enroll by December 15 for January 1 coverage. State marketplaces may differ.
What happens if I do nothing?
You may be auto-renewed, but your premium, credit, network and drug list can all change.
Let us check your renewal
Send us your renewal notice and we'll compare it to every plan available to you.
Get a QuoteGeneral information only. Deadlines and rules can vary by state and may change. Confirm dates at HealthCare.gov or your state's marketplace.