Calendar
Open enrollment dates by state
For 2027 coverage, federal Open Enrollment runs Nov 1, 2026 – Jan 15, 2027. The planned shortened window (ending Dec 15) was vacated by a federal court in June 2026, so the familiar schedule stays in place.
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Request a broker →Federal Open Enrollment Period (HealthCare.gov)
The 2025 rule that would have ended Open Enrollment on Dec 15 was vacated in June 2026. In all 27 HealthCare.gov states, enroll by Dec 15, 2026 for Jan 1 coverage, or by Jan 15, 2027 for Feb 1 coverage.
State-Based Exchange windows
| State / Exchange | 2027 window *NEW 2027 | Notes |
|---|---|---|
| California (Covered California) | Nov 1 – Jan 31 | Enroll by Dec 31 for Jan 1 coverage (confirmed by Covered California). |
| Colorado (Connect for Health) | Nov 1 – Jan 15 | — |
| Connecticut (Access Health CT) | Nov 1 – Jan 15 | — |
| District of Columbia (DC Health Link) | Nov 1 – Jan 31 | — |
| Georgia (Georgia Access) | Nov 1 – Jan 15 | Enroll by Dec 15 for Jan 1 coverage. |
| Idaho (Your Health Idaho) | Oct 15 – Dec 15 | Earliest start and earliest close. |
| Illinois (Get Covered Illinois) | Nov 1 – Jan 15 | — |
| Kentucky (kynect) | Nov 1 – Jan 15 | — |
| Maine (CoverME.gov) | Nov 1 – Jan 15 | — |
| Maryland (Maryland Health Connection) | Nov 1 – Jan 15 | — |
| Massachusetts (MA Health Connector) | Oct 23 – Jan 23 | Extended window confirmed by the Health Connector. |
| Minnesota (MNsure) | Nov 1 – Jan 15 | — |
| Nevada (Nevada Health Link) | Nov 1 – Jan 15 | — |
| New Jersey (Get Covered NJ) | Nov 1 – Jan 31 | — |
| New Mexico (beWellnm) | Nov 1 – Jan 15 | — |
| New York (NY State of Health) | Nov 1 – Jan 31 | Essential Plan remains year-round outside OEP. |
| Oregon (ExploreHealthOR.gov) | Nov 1 – Jan 15 | New state-run marketplace for 2027 (replaces HealthCare.gov). |
| Pennsylvania (Pennie) | Nov 1 – Jan 15 | — |
| Rhode Island (HealthSource RI) | Nov 1 – Dec 31 | — |
| Vermont (Vermont Health Connect) | Nov 1 – Jan 15 | — |
| Virginia (Virginia's Insurance Marketplace) | Nov 1 – Jan 29 | — |
| Washington (Washington Healthplanfinder) | Nov 1 – Jan 15 | — |
Special Enrollment Periods (year-round)
Most life events trigger a 60-day SEP to enroll or change a marketplace plan outside OEP. Households at or under 150% FPL are eligible for a monthly SEP on HealthCare.gov.
- Loss of qualifying health coverage (job loss, COBRA exhaustion, aging off a parent's plan at 26)
- Marriage (at least one spouse must have had MEC in the prior 60 days)
- Birth, adoption, or placement for foster care
- Permanent move to an area with new plan options
- Becoming a U.S. citizen or lawfully present resident
- Release from incarceration
- Income change that affects subsidy eligibility (limited circumstances)
- Gaining/losing Medicaid or CHIP eligibility
- Domestic abuse or spousal abandonment
Sources
The information contained on this website is for educational purposes only. We are not responsible for missing or inaccurate information. Please consult a licensed insurance broker in your state and area for insurance advice. Please consult a CPA for tax or legal advice.