ACA Open Enrollment dates for 2027 coverage

Published 2026-07-04 · Updated July 2026

Open Enrollment for 2027 coverage begins November 1, 2026. In most states it runs into mid-December for January 1 coverage, with a final deadline in January.

If you’re managing the cliff, the key isn’t the enrollment date — it’s December 31, the last day to make MAGI-lowering moves like retirement or HSA contributions for the tax year. Run your numbers now →