Open Enrollment 2027: Deadlines, Changes, and Your Options
Open Enrollment for 2027 ACA Marketplace coverage runs November 1, 2026 through January 15, 2027 in most states — the one window each year to enroll in or change Marketplace coverage without a qualifying life event.
This year brings real changes: premiums are up, several insurers have pulled out of coverage areas, and the out-of-pocket maximum has increased. Whether the Marketplace or a private PPO plan is the better move depends entirely on your income and health — not a generic rule of thumb.
Why clients choose this option
- Compare your actual Marketplace subsidy against private PPO pricing side by side
- Lock in a rate before plan options narrow further as carriers exit the market
- Same price either way — using a licensed agent costs nothing extra by law
- One person handles the whole application instead of you navigating healthcare.gov alone
| Feature | ACA Marketplace | Private PPO |
|---|---|---|
| Subsidy eligible | Yes, income-based | No |
| Pre-existing conditions | Must cover, no extra cost | May require health questions |
| Enrollment window | Nov 1 – Jan 15 only (or a qualifying event) | Enroll any time, year-round |
| Price changes with income | Yes — reconciled at tax time | No — fixed premium |
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Open Enrollment 2027
Open Enrollment 2027 starts in
Nov 1, 2026 opens your next chance to enroll in or change ACA Marketplace coverage. Get your documents ready.
Enrollment window per CMS: Nov 1 – Jan 15 in most states.
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Frequently Asked Questions
November 1, 2026 through January 15, 2027 in most states. Coverage that starts by December 15 generally takes effect January 1; sign up after that and it starts February 1.
You're locked out of Marketplace enrollment until next year unless you qualify for a Special Enrollment Period (losing other coverage, having a baby, getting married, moving). Private PPO plans don't have this restriction — you can apply any time of year.
It depends on whether you qualify for a subsidy. If you do, the Marketplace is usually cheaper. If you don't, or you want broader network access without referrals, a private PPO plan often costs less than an unsubsidized Marketplace plan.
No — Marketplace and private plan premiums are set by the carrier and the government, not the agent. You pay the same price whether you enroll yourself or through us.