Open Enrollment 2027 Dates, State 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 dates. Five of the six also close on January 15, 2027; Virginia stays open until January 29, 2027. Each date is from the state’s own marketplace or insurance department, checked October 26, 2026. 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.

Rate changes are average changes before any credit: final in 11 states, still requested in 12 (see the ranking for status and notes). Exits: insurers leaving in 2027. Checked October 5, 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 South Carolina (22.1%), Wisconsin (21.7%) and Oklahoma (21.6%). See all 23 ranked.

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

Open Enrollment 2027: common questions

When is open enrollment for 2027?

On HealthCare.gov it runs from November 1, 2026 to January 15, 2027. The six states with their own marketplaces — Colorado, Georgia, Illinois, Maryland, Nevada and Virginia — also open on November 1. Five close on January 15, 2027 too; Virginia closes on January 29, 2027.

What is the deadline for coverage that starts January 1, 2027?

December 15, 2026 on HealthCare.gov. A plan picked between December 16 and January 15 starts February 1. A state-run marketplace can set a later date for January 1 coverage, so check yours if you live in one of those six states.

What if I miss open enrollment?

After it closes you can only sign up for 2027 coverage with a special enrollment period, which follows a qualifying event such as losing other health coverage, moving to a county with different plans, getting married or having a baby. You usually have 60 days from the event to pick a plan.

Will my plan renew automatically for 2027?

Usually, if your insurer keeps selling in your area: the marketplace re-enrolls you in the same plan or the closest one. If your insurer is leaving, you can be moved to another insurer’s plan with a different network, so pick the replacement yourself before December 15.