Everything you need to know
What Is Open Enrollment & When Can You Sign Up?
Open Enrollment is the one time each year when anyone can enroll in a new health insurance plan or switch their current plan for any reason, no qualifying event required. For 2027 coverage, the federal Health Insurance Marketplace Open Enrollment Period runs from November 1, 2026 through January 15, 2027. If you enroll by December 15, 2026, your coverage starts January 1, 2027. Enroll between December 16 and January 15 and your coverage generally starts February 1, 2027.
Missing the window usually means waiting a full year, unless you qualify for a Special Enrollment Period. That's why thousands of people add their name early: so a licensed broker can reach out the moment enrollment opens and help them lock in the right plan and the biggest subsidy they qualify for, at no cost.
Key 2027 dates
Nov 1, 2026, Open Enrollment begins.
Dec 15, 2026, Deadline for Jan 1 coverage.
Jan 15, 2027, Open Enrollment ends.
Why go through a broker?
Plan prices are set by law, so you never pay more using a broker. You get unbiased help comparing carriers, keeping your doctors, and claiming every subsidy dollar you qualify for.
Who should sign up for open enrollment help?
- Individuals and families who need 2027 coverage or want to switch plans
- Self-employed, 1099, gig, and contract workers without employer coverage
- Anyone losing coverage, aging off a parent's plan, or leaving a job
- People who want to check if they qualify for a larger ACA subsidy this year
- Small businesses (2-50 employees) setting up or renewing group coverage
Missed the deadline? You may still qualify
Life events like losing coverage, moving, getting married, or having a baby open a Special Enrollment Period that lets you enroll outside the normal window. Add your details and we'll quickly tell you whether you qualify and what your options are.
