⏰ 2027 Open Enrollment · Nov 1 – Jan 15

Health insurance for 2027 starts now. Don't just auto-renew.

Premiums, networks and financial help can change every year. Get a free 30-minute Marketplace review with a licensed agent and enroll by December 15 for coverage that starts January 1 in most states.

✔ $0 cost to you, same premium as enrolling yourself
✔ We check financial help, doctors and prescriptions
✔ Phone or video, licensed in 15 states

📅 Pick a time that works for you:

Book My 30-Min ACA Review Enroll Now · 60 Min

Applications for 2027 coverage can be submitted starting November 1.

Rather talk now? Call (919) 944-8443

Already a client? Book your check-in on our calendar →

Get My Free 2027 Review

Takes 60 seconds. We'll reach out to set up a time.

Enroll for January 1 coverage in

The deadline is December 15 in states that use HealthCare.gov. Open Enrollment ends January 15. After that, you need a qualifying life event to get covered.

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Why review every year

This year's plan may not fit in 2027

If you do nothing, you may be renewed into a plan whose price, network or financial help has changed. Check these four things first:

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Financial help

Your tax credit is based on your expected 2027 income.

Tap to see what to check ↻

What to check

Update your household size and income estimate for 2027. The enhanced tax credits expired after 2025, so your help may be different this year.

We'll check it for you →

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Premiums

Your plan's monthly price can change, even if nothing else does.

Tap to see what to check ↻

What to check

Compare your 2027 premium after financial help with other plans in your county. Don't assume last year's price.

We'll check it for you →

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Doctors & hospitals

Doctors and hospitals can leave a plan's network.

Tap to see what to check ↻

What to check

Confirm your doctors, specialists and hospital are in-network for 2027 before you renew.

We'll check it for you →

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Prescriptions

Medicines can move tiers or drop off a plan's drug list.

Tap to see what to check ↻

What to check

Look up every medication on the 2027 drug list, plus the deductible and out-of-pocket maximum.

We'll check it for you →

Key dates

Your 2027 Open Enrollment calendar

November 1

Open Enrollment opens

Apply for 2027 coverage, renew, or switch Marketplace plans.

December 15

Deadline for January 1 coverage

Enroll or change plans by today for coverage that starts January 1.

January 1

Coverage starts

For everyone who enrolled by December 15 and paid their first premium.

January 15

Open Enrollment ends

Last day to enroll or change plans. Coverage then starts February 1.

Don't leave it to the last week.

Book your free review now and you're done before the holidays. Get my free review →

Live in Connecticut, Georgia, Maryland, or Virginia? These states run their own marketplaces with their own dates. Connecticut (Access Health CT): October 23, 2026 – January 15, 2027. Maryland (Maryland Health Connection): November 1, 2026 – January 15, 2027 (enroll by December 31 for January 1 coverage). Virginia (Virginia's Insurance Marketplace): November 1, 2026 – January 29, 2027. Georgia (Georgia Access) sets its own schedule. We'll confirm the deadline where you live.

How it works

3 simple steps. About 30 minutes.

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1. Grab your spot

Fill out the short form or call. Pick a phone or video appointment.

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2. We do the homework

We estimate your financial help, check your doctors and prescriptions, and compare plans side by side.

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3. You decide

If a better fit exists, we handle the application. If your plan is still right, we tell you to keep it.

Questions people ask us

When is Open Enrollment for 2027 health insurance?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Connecticut, Georgia, Maryland, and Virginia set their own dates.

What if I miss the deadline?

After Open Enrollment ends, you can only enroll or change plans if you qualify for a Special Enrollment Period, for example after losing other coverage, moving, marrying or having a baby.

Does working with an agent cost more?

No. There's no fee to you, and your premium is the same as enrolling on your own. Agents are paid by the insurance company.

What if I just let my plan auto-renew?

You may be renewed automatically, but your premium, network or financial help can change for 2027. A quick review makes sure you're not paying more than you need to.

Do I qualify for a tax credit in 2027?

It depends on your household size, income, and where you live. The enhanced tax credits expired at the end of 2025 and have not been renewed. Unless Congress acts, 2027 tax credits are generally limited to households earning between 100% and 400% of the Federal Poverty Level. We'll estimate yours during your review.

What should I have ready?

An estimate of your household income for 2027, everyone's date of birth, and a list of your doctors and prescriptions. For the application we'll also need Social Security numbers for the people applying.

I'm turning 65 soon. Is this for me?

At 65 most people move to Medicare, which has its own enrollment windows. See our Medicare Annual Enrollment page or call us.

Which states do you serve?

We're licensed in 15 states: Arizona, Arkansas, Connecticut, Florida, Georgia, Louisiana, Maryland, Missouri, Montana, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia. Reviews are by phone or video.

Start 2027 on the right plan.

Take 30 minutes now and be done before the December 15 deadline. Calendars fill up fast in December.

📅 Book My 30-Min ACA Review Enroll Now · 60 Min 📞 (919) 944-8443

Already a client? Pick a time on our calendar →

Senior Benefits Hub is a website of Triangle Life and Health, an independent insurance agency. We are not affiliated with HealthCare.gov, any state marketplace, or the U.S. government. You can also enroll directly at HealthCare.gov or your state's marketplace. Plans, premiums and financial help vary by location, income and household size.