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HEALTH COVERAGE · 2027

ACA OPEN ENROLLMENT 2027

7 things to know before your plan renews

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01

ACA 2027 · 1/7

Opens Nov. 1

Enrollment for 2027 coverage opens Nov. 1, 2026 on HealthCare.gov. Idaho and Georgia open in October.

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02

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Enroll by Dec. 15

That gets you coverage on Jan. 1. HealthCare.gov lists Jan. 15 as the final deadline, but an appeal is pending.

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03

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Extra subsidies expired

The enhanced tax credits ended in 2025. Above 400% of poverty, most people get no help for 2027.

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04

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Premiums are rising

Insurers asked for a median increase of about 15%, per Peterson-KFF. Auto-renewing could cost you.

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05

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Silver can win

Under 250% of poverty? Only silver plans add cost-sharing help that cuts deductibles and copays.

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06

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Check doctors and drugs

Confirm your doctors are in network and every prescription is on the plan’s drug list.

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07

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Free help exists

Navigators help at no cost: 1-800-318-2596. Ignore surprise calls promising $0 plans.

FREE U.S. GUIDE

Your full 2027 enrollment guide

Key dates, the subsidy cliff and a 7-step plan picker.

General information, not financial, legal or medical advice. nexgenheadlines.com