ACA Open Enrollment 2027: Dates and Deadlines by State

Open enrollment for 2027 health coverage through the ACA Marketplace starts November 1, 2026 in most states and ends January 15, 2027 on HealthCare.gov. A few states run their own Marketplace with their own dates. Here’s the schedule for each state we serve, plus the 2027 subsidy rules worth knowing before you renew.

Key Points

• ✅ HealthCare.gov states: November 1, 2026 – January 15, 2027. Pick a plan by December 15 for coverage starting January 1.
• ✅ Connecticut, Maryland, and Virginia set their own dates (see the table below). Georgia runs its own Marketplace, Georgia Access.
• ✅ The enhanced subsidies expired at the end of 2025, so the 400% income limit is back for 2027.
• ✅ In HealthCare.gov states, plans picked December 16 – January 15 start February 1, 2027.

2027 Open Enrollment Dates by State

State	Where you enroll	Open enrollment for 2027 coverage
Arkansas, Arizona, Florida, Louisiana, Missouri, Montana, North Carolina, Ohio, South Carolina, Tennessee, Texas	HealthCare.gov	Nov 1, 2026 – Jan 15, 2027 (Dec 15 for Jan 1 coverage)
Connecticut	Access Health CT	Oct 23, 2026 – Jan 15, 2027 (Dec 15 for Jan 1 coverage)
Maryland	Maryland Health Connection	Nov 1, 2026 – Jan 15, 2027
Virginia	Virginia’s Insurance Marketplace	Nov 1, 2026 – Jan 29, 2027
Georgia	Georgia Access	Opens Nov 1, 2026. Check georgiaaccess.gov for the 2027 end date

Sources: HealthCare.gov and CMS (August 2026 statement confirming the January 15, 2027 end date), Access Health CT, Maryland Health Connection, Virginia’s Insurance Marketplace. Dates checked September 30, 2026.

2027 Subsidies: The Rules Right Now

The extra-large premium tax credits that started in 2021 expired on December 31, 2025. The House voted to extend them in January 2026, but as of October 1, 2026 the Senate hasn’t passed an extension, so the original ACA rules apply for 2027:

• Income limit: tax credits are generally available with household income between 100% and 400% of the federal poverty level. For 2027 coverage, 400% is $63,840 for one person and $132,000 for a family of four.
• The cliff: earn even $1 over 400% and you get no tax credit.
• Your expected share of a benchmark Silver plan runs from 2.15% to 10.22% of income for 2027 (IRS Rev. Proc. 2026-26).
• Payback at tax time: there’s no longer a cap on repaying excess advance credits, so estimate your income carefully.

Household size	400% of poverty level (2027 coverage)
1	$63,840
2	$86,560
3	$109,280
4	$132,000
5	$154,720

Based on the 2026 HHS poverty guidelines for the 48 contiguous states, used for 2027 Marketplace coverage.

Medicaid Expansion Matters for Lower Incomes

In states that expanded Medicaid (Arkansas, Arizona, Connecticut, Louisiana, Maryland, Missouri, Montana, North Carolina, Ohio, and Virginia), adults with income up to about 138% of the poverty level generally qualify for Medicaid instead of Marketplace tax credits. In Florida, Georgia, South Carolina, Tennessee, and Texas, adults with income from 100% to 138% of the poverty level can usually get Marketplace tax credits. In expansion states, new federal Medicaid work requirements for adults generally begin in 2027 (some states may get extra time), so check with your state Medicaid agency if that applies to you.

Other Changes for 2027

• Higher out-of-pocket ceilings: up to $12,000 for one person and $24,000 for a family for covered in-network care (from $10,600 / $21,200).
• HSA-friendly plans: Bronze and Catastrophic Marketplace plans count as HSA-eligible starting in 2026.
• Immigration status: starting with 2027 coverage, tax credits are limited to U.S. citizens and nationals, green card holders, Cuban/Haitian entrants, and COFA migrants.
• Don’t just auto-renew: premiums, networks, and your tax credit can change. Log in, update your income, and compare.

Frequently Asked Questions

When does ACA open enrollment for 2027 end?

January 15, 2027 in states that use HealthCare.gov. Connecticut also ends January 15, Maryland ends January 15, and Virginia ends January 29, 2027.

Are the enhanced ACA subsidies back for 2027?

Not as of October 1, 2026. Unless Congress acts, the 400% of poverty level income limit applies to 2027 coverage.

What’s the deadline for coverage starting January 1, 2027?

December 15, 2026 on HealthCare.gov and in Connecticut. Check your state’s Marketplace if you live in Georgia, Maryland, or Virginia.

Need Help Picking a 2027 Plan?

Senior Benefits Hub is a service of Triangle Life & Health, an independent agency licensed since 2013. Our help is free to you. We’ll estimate your 2027 tax credit and compare plans against your doctors and prescriptions. Learn about ACA coverage, book a free 30-minute call, or call (919) 944-8443.