Source data
Federal HealthCare.gov open enrollment and effective dates for plan year 2027
Sources checked
- 1 November 2026Open Enrollment begins
- 15 December 2026Deadline for 1 January start
- 1 January 2027First coverage start date
- 15 January 2027Open Enrollment ends
- 1 February 2027Second coverage start date
The date you enroll determines which ordinary start date applies. The first premium must also be paid.
Federal HealthCare.gov open enrollment and effective dates for plan year 2027
This calendar applies to the HealthCare.gov platform. A state using its own marketplace may publish a different calendar. The plan’s first premium is a separate step.
| Source | |||
|---|---|---|---|
| 1 November 2026 | Open Enrollment begins | First day to apply, renew or change a HealthCare.gov plan for 2027 | Source 1 |
| 15 December 2026 | Deadline for 1 January start | Enroll or change by this date and pay the first premium | Source 1 |
| 1 January 2027 | First coverage start date | For those who enrolled by 15 December and paid the first premium | Source 1 |
| 15 January 2027 | Open Enrollment ends | Last ordinary day to enroll or change coverage through HealthCare.gov | Source 2 |
| 1 February 2027 | Second coverage start date | For those enrolling or changing 16 December to 15 January and paying the first premium | Source 1 |