Home › Insurance › Open enrollment 2027
Direct answer: For 2027 coverage, Medicare open enrollment runs Oct. 15 to Dec. 7, 2026. HealthCare.gov runs Nov. 1, 2026 to Jan. 15, 2027; enroll by Dec. 15 for Jan. 1 coverage. Federal employee open season is Nov. 9 to Dec. 14, and TRICARE's is Nov. 9 to Dec. 8. Some state marketplaces differ.
By the numbers: Open enrollment for 2027, read from official sites Oct. 18, 2026: Medicare Oct. 15 - Dec. 7; HealthCare.gov Nov. 1 - Jan. 15 (Dec. 15 for Jan. 1); FEHB/PSHB/FEDVIP Nov. 9 - Dec. 14; TRICARE Nov. 9 - Dec. 8; Connecticut and Massachusetts start Oct. 23; Idaho runs Oct. 15 - Dec. 15. Source: VaultRubric from Medicare.gov, HealthCare.gov, OPM, TRICARE and state marketplaces
“Starting November 1, you can apply for 2027 coverage or update your application with any changes you expect for the year ahead.” — HealthCare.gov: Dates and deadlines
Updated 2026-10-18
On HealthCare.gov it runs Nov. 1, 2026 through Jan. 15, 2027. Enroll or change plans by Dec. 15 for coverage that starts Jan. 1; enroll Dec. 16 to Jan. 15 and coverage starts Feb. 1. Some states that run their own marketplace use different dates.
Oct. 15 to Dec. 7, 2026. Changes take effect Jan. 1, 2027, and the plan must get your request by Dec. 7. If you're already in a Medicare Advantage Plan, you can also switch plans or go back to Original Medicare from Jan. 1 to March 31, 2027.
OPM's Federal Benefits Open Season for FEHB, PSHB, FEDVIP and FSAFEDS is Nov. 9 to Dec. 14, 2026, ending at 11:59 p.m. on Monday, Dec. 14.
Nov. 9 to Dec. 8, 2026. Changes you make take effect Jan. 1, 2027, according to TRICARE.
States that run their own marketplace can set their own dates. As of Oct. 18, 2026: Idaho's runs Oct. 15 to Dec. 15, 2026; Connecticut's runs Oct. 23, 2026 to Jan. 15, 2027; Massachusetts starts Oct. 23. Kentucky, Maine, Minnesota, Nevada and New Mexico match Nov. 1 to Jan. 15.
Tennessee uses HealthCare.gov, so open enrollment for 2027 plans runs Nov. 1, 2026 to Jan. 15, 2027, and you must enroll by Dec. 15 for coverage on Jan. 1. Texas, Florida and Alabama use the same dates; Georgia runs its own site, Georgia Access.
Yes. HealthCare.gov says you can apply for and enroll in Medicaid or CHIP any time of year.
Open enrollment dates for 2027 read from Medicare.gov, HealthCare.gov, OPM, TRICARE and each state marketplace; checked Oct. 18, 2026.
As of Oct. 18, 2026 · from official sites · Medicare, ACA (50 states + DC), federal, TRICARE
Medicare: Oct. 15 - Dec. 7, 2026. HealthCare.gov (ACA): Nov. 1, 2026 - Jan. 15, 2027; pick a plan by Dec. 15 for Jan. 1 coverage. Federal employees (FEHB/PSHB/FEDVIP): Nov. 9 - Dec. 14. TRICARE: Nov. 9 - Dec. 8. Some state marketplaces differ: Idaho is already open and ends Dec. 15; Connecticut and Massachusetts start Oct. 23.
The math:
Sources: Check your deadline · All dates · State marketplaces · Sources
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Pick your state for an individual (ACA) health plan, or pick Medicare, federal employee or TRICARE coverage. Days left are counted from today's date on your device; nothing is sent.
| Coverage | Dates | Changes start | Source |
|---|---|---|---|
| ACA Marketplace (HealthCare.gov states) Individual and family health plans in states that use HealthCare.gov | Nov. 1, 2026 - Jan. 15, 2027 Enroll by Dec. 15, 2026 for Jan. 1 coverage | Jan. 1 if you enroll by Dec. 15; Feb. 1 if you enroll Dec. 16 - Jan. 15 | HealthCare.gov: Dates and deadlines |
| Medicare Open Enrollment Medicare Advantage and Part D drug plans (join, switch or drop) | Oct. 15, 2026 - Dec. 7, 2026 | Jan. 1, 2027 (the plan must get your request by Dec. 7) | Medicare.gov: Open Enrollment |
| Medicare Advantage Open Enrollment Period Only if you're already in a Medicare Advantage Plan: switch plans or go back to Original Medicare | Jan. 1, 2027 - March 31, 2027 | First of the month after the plan gets your request (Medicare.gov) | Medicare.gov: Joining a plan |
| Federal Benefits Open Season (FEHB, PSHB, FEDVIP, FSAFEDS) Federal employees, annuitants and Postal Service employees and annuitants | Nov. 9, 2026 - Dec. 14, 2026 | The 2027 plan year (OPM sets the exact effective date; deadline 11:59 p.m. Dec. 14) | OPM: Open Season |
| TRICARE Open Season TRICARE Prime and TRICARE Select (enroll or change plans) | Nov. 9, 2026 - Dec. 8, 2026 | Jan. 1, 2027 | TRICARE: Open Season |
Medicaid and CHIP: HealthCare.gov says you can apply and enroll any time of year. Job-based plans: HealthCare.gov says they may have different open enrollment periods, so check with your employer.
20 states and D.C. use their own enrollment site instead of HealthCare.gov, and they can set their own dates. Dates below are copied from each state's official site on Oct. 18, 2026; if a state hasn't posted yet, check its site.
| State | Marketplace | 2027 open enrollment | Source |
|---|---|---|---|
| California | Covered California | Starts Nov. 1, 2026 end date not on the page we read | Dates Marketplace |
| Colorado | Connect for Health Colorado | Starts Nov. 1, 2026 end date not on the page we read | Dates Marketplace |
| Connecticut | Access Health CT | Oct. 23, 2026 - Jan. 15, 2027 Enroll by Dec. 15, 2026 for Jan. 1 Starts earlier than HealthCare.gov (new for 2027). | Dates Marketplace |
| District of Columbia | DC Health Link | 2027 dates not posted when we checked Its site blocked our automated check on Oct. 18, 2026. | Marketplace |
| Georgia | Georgia Access | 2027 dates not posted when we checked Georgia runs its own marketplace (Georgia Access, an official State of Georgia site); its 2026 enrollment ended Jan. 15, 2026. | Marketplace |
| Idaho | Your Health Idaho | Oct. 15, 2026 - Dec. 15, 2026 Enroll by Dec. 15, 2026 for Jan. 1 Already open, and it ends Dec. 15, a month earlier than HealthCare.gov. | Dates Marketplace |
| Illinois | Get Covered Illinois | 2027 dates not posted when we checked | Marketplace |
| Kentucky | kynect | Nov. 1, 2026 - Jan. 15, 2027 | Dates Marketplace |
| Maine | CoverME.gov | Nov. 1, 2026 - Jan. 15, 2027 | Dates Marketplace |
| Maryland | Maryland Health Connection | Starts Nov. 1, 2026 end date not on the page we read | Dates Marketplace |
| Massachusetts | Massachusetts Health Connector | Starts Oct. 23, 2026 end date not on the page we read Starts earlier than HealthCare.gov. | Dates Marketplace |
| Minnesota | MNsure | Nov. 1, 2026 - Jan. 15, 2027 Enroll by Dec. 15, 2026 for Jan. 1 | Dates Marketplace |
| Nevada | Nevada Health Link | Nov. 1, 2026 - Jan. 15, 2027 | Dates Marketplace |
| New Jersey | Get Covered New Jersey | 2027 dates not posted when we checked Its site says open enrollment for the 2026 coverage year ended Jan. 31, later than HealthCare.gov; 2027 dates weren't posted when we checked. | Dates Marketplace |
| New Mexico | beWellnm | Nov. 1, 2026 - Jan. 15, 2027 | Dates Marketplace |
| New York | NY State of Health | Starts Nov. 1, 2026 end date not on the page we read | Dates Marketplace |
| Pennsylvania | Pennie | 2027 dates not posted when we checked | Marketplace |
| Rhode Island | HealthSource RI | 2027 dates not posted when we checked Its homepage still shows the 2026 period (Nov. 1 - Jan. 31), later than HealthCare.gov; 2027 dates weren't posted when we checked. | Dates Marketplace |
| Vermont | Vermont Health Connect | 2027 dates not posted when we checked Its site says open enrollment runs yearly from Nov. 1 to Dec. 28 and that 2027 enrollment is coming soon. | Dates Marketplace |
| Virginia | Virginia's Insurance Marketplace | 2027 dates not posted when we checked | Marketplace |
| Washington | Washington Healthplanfinder | 2027 dates not posted when we checked | Marketplace |
Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin, Wyoming use HealthCare.gov: open enrollment runs Nov. 1, 2026 to Jan. 15, 2027, and you must pick a plan by Dec. 15 for coverage on Jan. 1. HealthCare.gov's state pages say people in Oregon and Arkansas use HealthCare.gov to apply and enroll (each also has a state help site).
How we built this: we read each official page on Oct. 18, 2026 (Medicare.gov, HealthCare.gov, OPM, TRICARE and every state-run marketplace), saved a copy with a checksum, and our build checks that every date we show appears in that saved text (55 quotes). States change dates, so if a state's site says something different, trust the state.
Dates, not advice. We don't sell insurance, show plan prices or pick plans. Deadlines are midnight local time unless the official site says otherwise (OPM: 11:59 p.m.).
On HealthCare.gov it runs Nov. 1, 2026 through Jan. 15, 2027. Enroll or change plans by Dec. 15 for coverage that starts Jan. 1; enroll Dec. 16 to Jan. 15 and coverage starts Feb. 1. Some states that run their own marketplace use different dates.
Oct. 15 to Dec. 7, 2026. Changes take effect Jan. 1, 2027, and the plan must get your request by Dec. 7. If you're already in a Medicare Advantage Plan, you can also switch plans or go back to Original Medicare from Jan. 1 to March 31, 2027.
OPM's Federal Benefits Open Season for FEHB, PSHB, FEDVIP and FSAFEDS is Nov. 9 to Dec. 14, 2026, ending at 11:59 p.m. on Monday, Dec. 14.
Nov. 9 to Dec. 8, 2026. Changes you make take effect Jan. 1, 2027, according to TRICARE.
States that run their own marketplace can set their own dates. As of Oct. 18, 2026: Idaho's runs Oct. 15 to Dec. 15, 2026; Connecticut's runs Oct. 23, 2026 to Jan. 15, 2027; Massachusetts starts Oct. 23. Kentucky, Maine, Minnesota, Nevada and New Mexico match Nov. 1 to Jan. 15.
Tennessee uses HealthCare.gov, so open enrollment for 2027 plans runs Nov. 1, 2026 to Jan. 15, 2027, and you must enroll by Dec. 15 for coverage on Jan. 1. Texas, Florida and Alabama use the same dates; Georgia runs its own site, Georgia Access.
Yes. HealthCare.gov says you can apply for and enroll in Medicaid or CHIP any time of year.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.
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