Open Enrollment 2027 by State
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker, NPN 21032307
Short answer
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 in states that use HealthCare.gov, the federal Marketplace. Enroll by December 15 for coverage that starts January 1; plans picked December 16 to January 15 start February 1.
Seven of the 31 states I am licensed in run their own exchanges and set their own dates: Colorado, Georgia, Illinois, Kentucky, Maryland, Nevada and Virginia. Check the state page for which exchange applies and what it has announced.
Private, medically underwritten plans don't use the window at all: if approved, they can start the first of any month. They suit healthy, self-employed people and business owners who earn above the subsidy line; the Marketplace stays the right place for health conditions or subsidy-eligible income.
States that use HealthCare.gov
- Alabama open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Arkansas open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Delaware open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Florida open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Indiana open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Iowa open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Kansas open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Louisiana open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Michigan open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Mississippi open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Missouri open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Montana open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Nebraska open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- North Carolina open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Ohio open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Oklahoma open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- South Carolina open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- South Dakota open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Tennessee open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Texas open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Utah open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- West Virginia open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Wisconsin open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
- Wyoming open enrollment 2027 datesHealthCare.gov · closes January 15, 2027
States with their own exchange
- Colorado open enrollment 2027 datesConnect for Health Colorado · state exchange
- Georgia open enrollment 2027 datesGeorgia Access · state exchange
- Illinois open enrollment 2027 datesGet Covered Illinois · state exchange
- Kentucky open enrollment 2027 dateskynect · state exchange
- Maryland open enrollment 2027 datesMaryland Health Connection · state exchange
- Nevada open enrollment 2027 datesNevada Health Link · state exchange
- Virginia open enrollment 2027 datesVirginia's Insurance Marketplace · state exchange
Not sure which plan to renew?
Phone or video, English or Spanish, no fee. Read the open enrollment 2027 guide or check whether you can enroll now.
Official source: HealthCare.gov, the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
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