Open Enrollment 2027 by State

The dates

November 1, 2026: Open Enrollment opens in every state.
December 15, 2026: last day to pick a plan for coverage that starts January 1, 2027.
January 15, 2027: HealthCare.gov closes. Plans picked between December 16 and January 15 start February 1.

A 2025 federal rule would have shortened Open Enrollment starting with 2027 coverage. A federal court vacated that change in June 2026, and CMS has confirmed the November 1 to January 15 window for HealthCare.gov. Colorado, Georgia, Illinois, Maryland, Nevada and Virginia run their own marketplaces and set their own closing dates, so check yours rather than assuming January 15. December 15 gets you a January 1 start everywhere.

Open Enrollment 2027, state by state

Where you enroll, when it closes, what insurers are charging on average for 2027, and who is leaving. Click a state for its detail.

State	Where you enroll	Closes	Average 2027 change	Insurers leaving
Alabama	HealthCare.gov	Jan 15, 2027	+20.7%	None reported
Arkansas	HealthCare.gov	Jan 15, 2027	+6.0%	Celtic and QualChoice did not file 2027 rates
Colorado	Connect for Health Colorado	Set by the state	+13.4%	Cigna
Florida	HealthCare.gov	Jan 15, 2027	+15.3%	Cigna
Georgia	Georgia Access	Set by the state	+20.7%	Cigna
Illinois	Get Covered Illinois	Set by the state	+14.0%	Cigna
Indiana	HealthCare.gov	Jan 15, 2027	+17.1%	Cigna and CareSource
Kansas	HealthCare.gov	Jan 15, 2027	+19.5%	Medica
Maryland	Maryland Health Connection	Set by the state	+13.7%	None reported
Michigan	HealthCare.gov	Jan 15, 2027	+14.2%	Molina joins; none leaving
Mississippi	HealthCare.gov	Jan 15, 2027	+21.1%	Cigna and Molina
Nebraska	HealthCare.gov	Jan 15, 2027	+13.6%	None reported
Nevada	Nevada Health Link	Set by the state	+17.1%	None reported
North Carolina	HealthCare.gov	Jan 15, 2027	+14.9%	Cigna
Ohio	HealthCare.gov	Jan 15, 2027	+13.0%	CareSource
Oklahoma	HealthCare.gov	Jan 15, 2027	+21.6%	Medica and Mending Health
South Carolina	HealthCare.gov	Jan 15, 2027	+17.2%	None reported
South Dakota	HealthCare.gov	Jan 15, 2027	+10.9%	None reported
Tennessee	HealthCare.gov	Jan 15, 2027	+15.9%	Cigna
Texas	HealthCare.gov	Jan 15, 2027	+14.1%	Cigna
Utah	HealthCare.gov	Jan 15, 2027	+6.7%	None reported
Virginia	Virginia’s Insurance Marketplace	Set by the state	+16.7%	Cigna
Wisconsin	HealthCare.gov	Jan 15, 2027	+21.1%	Molina

Rate changes are insurers’ average filed changes before any credit, mostly still requested (see the ranking for status and notes). Exits: insurers leaving in 2027. Checked September 14, 2026.

Five things to do before December 15

Read the renewal notice from your insurer. It tells you whether your plan continues in 2027 and what it will cost.
If your insurer is leaving, pick the replacement yourself. Don’t leave it to the marketplace.
Check your doctors and hospital against the 2027 network, not this year’s.
Check your prescriptions against the 2027 drug list. A drug that moves up a tier can cost more than the premium change.
Update your 2027 income estimate. If you’re self-employed, use the net profit you expect. The credit is settled on your 2027 tax return, so an estimate that’s too low gets paid back.

Where the increases and exits are biggest

The steepest average increases are in Oklahoma (21.6%), Mississippi (21.1%) and Wisconsin (21.1%). See all 23 ranked.

15 states lose at least one insurer, and Cigna alone leaves 10 of them. See who is leaving where.

Want someone to do this for you?

This is the part of the year I’m here for. Give me your ZIP and I’ll send you your county’s 2027 plans, whether your current plan survived, and what you’d pay after any credit. No cost, and you talk to me, not a call center.

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Get your 2027 options before December 15

Premiums and insurers are set county by county. Enter your ZIP and I will send you the plans filed where you live.

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Open Enrollment 2027, State by State