The road to 2027 coverage.
Open enrollment runs November 1 through January 15. Here is the whole season on one page, with what to do at each step so the deadlines never sneak up on you.
Get ready
Update your income estimate, gather doctor and prescription lists, and current clients: complete your consent update so renewal has no delays. A pre-season review now means enrollment later takes minutes.
Open enrollment begins
The window opens for 2027 marketplace coverage. Early movers get the calmest advisor calendars and the most time to compare.
Deadline for January 1 coverage
Enroll by this date and your new plan starts on New Year's Day with no gap from your current coverage.
Open enrollment closes
Enrollments after December 15 generally start February 1. After January 15, the window closes for the year.
Special enrollment and anytime coverage
Life events like moving, marriage, a new baby, or losing coverage open a 60-day special enrollment period. And dental, vision, critical illness, hospital indemnity, and accident coverage can start almost any time.
Dates apply to the federal Health Insurance Marketplace for plan year 2027. Some state-run marketplaces set their own deadlines. Dental, vision, and protection coverages are separate from the marketplace window.
Beat the rush
The best enrollment experience happens before the crowd arrives. A free pre-season review now means that when November 1 comes, your plan is already picked and enrolling takes minutes.
Get ahead of open enrollment
A licensed agent will call with your best options. No obligation.