Open enrollment for 2027 coverage, if you are self-employed.

When does Marketplace open enrollment run for 2027?

HealthCare.gov lists November 1, 2026 through January 15, 2027 for 2027 coverage, and December 15, 2026 as the last day to enroll for a January 1 start.

• November 1, 2026. Open enrollment starts. This is the first day to enroll in, renew, or change a Marketplace plan for the coming year. Coverage can start as soon as January 1.
• December 15, 2026. Last day to enroll or change plans for coverage to start January 1. You also pay the first premium.
• January 1, 2027. Coverage starts for people who enrolled or changed plans by December 15 and paid the first premium.
• January 15, 2027. Open enrollment ends. After that, HealthCare.gov says you can enroll or change plans only with a special enrollment period.

These dates are from the HealthCare.gov dates page. Confirm them there before you enroll. They can change. The start here guide is the short version of the same calendar.

What if I enroll after December 15?

HealthCare.gov says coverage starts February 1 for people who enroll from December 16 through January 15 and pay the first premium.

• December 16 through January 15 is still open enrollment. You can still pick a 2027 Marketplace plan in that window.
• The start date moves to February 1. That is the date HealthCare.gov lists when you enroll in that later part of the window and pay the first premium.
• January 16 is outside the window. From then until the next open enrollment, a Marketplace plan generally needs a qualifying life event. See health insurance outside open enrollment.

What changed with Marketplace savings?

CMS says the enhanced premium tax credits expired at the end of 2025, so for 2026 and later years a household generally needs income from 100% to 400% of the federal poverty level to use a premium tax credit.

• The larger credits covered 2021 through 2025. CMS describes them as a temporary expansion from the American Rescue Plan, later extended through 2025 coverage. They lowered what many people paid.
• Above 400% of the poverty level, the credit is generally gone. CMS says people with household income above that line are no longer eligible for the advance premium tax credit for coverage after December 31, 2025. They can still buy a full-price Marketplace plan if they otherwise qualify.
• Under 400%, a credit can still apply. CMS says people in that range can still qualify if they meet the other rules, and that many of them are likely to pay more than they did under the enhanced credits. The amount is an estimate until you apply.
• This page does not print a dollar cutoff. HealthCare.gov shows the income lines for the year you are enrolling, and it tells you when the 2027 savings estimate is ready. Use that estimate. Do not use a number from a prior year as if it were yours.

This is the rule CMS describes under current law for 2026 and later years. Congress can change it. Check HealthCare.gov before you enroll. Need an ACA plan? We can help with that too. See the health page.

Was open enrollment shortened for 2027?

A federal court in Maryland vacated a rule that would have shortened open enrollment starting in 2027, the government appealed, and HealthCare.gov still lists November 1 through January 15.

• The shorter window was vacated on June 16, 2026. The U.S. District Court for the District of Maryland vacated the part of a federal rule that would have shortened open enrollment beginning in 2027.
• The government appealed on July 16, 2026. That appeal went to the U.S. Court of Appeals for the Fourth Circuit. The government's reply brief was filed in September 2026. This page does not treat the appeal as decided.
• The consumer calendar is the one on HealthCare.gov. As of this review, that page still lists November 1 through January 15 for 2027 coverage. A later court decision can change the dates. Confirm them before you enroll.

Do these dates apply in every state?

State-run Marketplaces can set different dates, so confirm the calendar on HealthCare.gov or on your state's Marketplace site.

For 2026 coverage, CMS listed Florida, Texas, Tennessee, North Carolina, South Carolina, Ohio, Indiana, Louisiana, West Virginia, and Arkansas among the states using the HealthCare.gov platform. The November 1 through January 15 dates are the ones that site lists for 2027 coverage. Confirm your state still uses that site.

For 2026 coverage, CMS also listed Colorado, Georgia, Illinois, Kentucky, Pennsylvania, and Virginia among the states that run their own Marketplace platform. Those states can set their own dates. Use the site HealthCare.gov names for your state, and do not assume the federal window is the one you have.

If you have at least one employee who is not an owner or a spouse, a small-group plan is a different question, and it is not tied to this individual open enrollment window. See group coverage for one or two employees. A group health quote, including a large group, comes from contacting Seth directly. Book a call or use the contact form. There is no online quote link for group coverage.

What if I am self-employed and my savings got smaller?

You can still look at a Marketplace plan, and you can also ask about private plans that use health questions, including a private PPO and a fixed indemnity plan.

• A Marketplace plan can still be the right fit. It has to accept you without health questions. Income-based savings, if you still qualify, are estimated on HealthCare.gov. This page does not estimate them.
• A private major medical PPO asks health questions. The price is based on your health. A healthy applicant may pay less than they would on the Marketplace. That is not a promise. Private major medical PPO plans. One option is private major medical.
• A short-term plan is a bridge, not a full-year Marketplace replacement. Short-term medical and National General plans.
• A fixed indemnity plan pays a set cash benefit. It is not major medical, and it is not health insurance. People choose it for predictable cash benefits. Fixed indemnity plans.
• The carrier decides on a private plan. It can accept you, offer a higher rate, or decline you. A conversation with Seth is not an approval. How buying works.

Other private prices start on the health page.

If the renewal price is the question, see why a Marketplace premium goes up for 2027.

Questions about your own premium go to Seth at Branded Insurance Group. Call (786) 606-0139 or book a health call.