Open Enrollment is the once-a-year window when anyone can enroll in or change a health plan without needing a special reason. For 2027 coverage it runs November 1 through December 15, 2026, and the window is a bit shorter than it used to be — so if you're self-employed or buying your own coverage, it's worth knowing early, with time to do this right instead of rushed. Here's what to know and how to be ready.
If you get your health insurance through an employer, Open Enrollment is something HR reminds you about. When you're self-employed or buying your own plan, nobody sends that reminder — it's on you to know the dates and act inside them. This guide covers exactly when the 2027 window opens and closes, what's changed this year, who most needs to pay attention, and what to do if you miss it.
Open Enrollment for 2027 coverage runs November 1, 2026 through December 15, 2026, with plans starting January 1, 2027. In Florida and most states, marketplace enrollment goes through HealthCare.gov. Enroll by December 15, 2026 and your coverage begins the first of the year; miss the window without a qualifying reason and you generally wait until the next Open Enrollment. That's the whole reason to get your ducks in a row now rather than the last week of the window, when everyone else is scrambling.
This isn't a copy-paste year. The enhanced premium subsidies that made marketplace plans cheaper for millions have lapsed, premiums are climbing, and the enrollment window is shorter than the longer periods of recent years. Translation: auto-renewing without a second look could mean paying more than you need to for 2027 — but a quick comparison now is all it takes to check, and I'm glad to do that part with you. What the 2027 ACA changes mean, in detail →
Everyone on an individual plan should look, but a few situations make it urgent:
Missing December 15 isn't necessarily the end of the road. A qualifying life event — losing other coverage, a move, marriage, a new baby, a household change — opens a Special Enrollment Period, usually about 60 days from the event, to enroll outside Open Enrollment. And private under-65 plans can often be applied for any time of year, which matters more now that the marketplace window is shorter. See if a Special Enrollment Period is open for you →
Open Enrollment works the same whether you're an employee or on your own — but as a 1099 earner, two things need attention before you enroll: a realistic annual income estimate (it drives any subsidy) and a clear read on whether a marketplace or private plan fits you better. If your work has its own wrinkles, there are profession-specific guides for independent contractors, realtors, truck drivers, and more, all under the self-employed hub.
Open Enrollment is the marketplace's window, but it isn't your only path. Private under-65 plans can often be applied for outside the window, which is a real advantage now that the marketplace period is shorter. The right choice depends on your income and how you use care — the marketplace is where subsidies live, while private plans can win on price and network above the subsidy range. Private vs. ACA, compared →
Open Enrollment is exactly when an independent broker earns their keep: comparing across many insurers at once, checking your subsidy, and making sure you enroll on time and correctly — instead of guessing on HealthCare.gov the night before the deadline. It generally costs you nothing extra, since brokers are paid by the insurers. I'm licensed in 31 states, so wherever you are, we can get it handled before December 15.
No need to wait for the last week — it's easier, and honestly calmer, to look now while there's no rush. Start with the coverage cost estimator to map your options now, then book a quick consultation so you're ready to enroll the moment the window opens. No pressure, no cost to talk.
Open Enrollment for 2027 coverage runs November 1, 2026 through December 15, 2026, with plans starting January 1, 2027. In Florida and most states, marketplace enrollment goes through HealthCare.gov.
If you enroll by December 15, 2026, your coverage generally begins January 1, 2027. Enrolling on time is what lets your plan start with the new year rather than leaving a gap.
You may still have options. A qualifying life event — losing coverage, a move, marriage, a new baby, a household change — can open a Special Enrollment Period, usually about 60 days from the event. Private under-65 plans can also often be applied for any time of year.
For a marketplace plan with a subsidy in Florida, yes, enrollment runs through HealthCare.gov. But that's not your only path: private under-65 plans are bought directly from insurers, and an independent broker can compare both for you at no extra cost.
Absolutely. Open Enrollment works the same whether you're an employee or self-employed. As a 1099 earner, the key is a realistic annual income estimate, since that drives any subsidy you qualify for.
Generally no. Independent brokers are paid by the insurers, so your premium is the same whether you enroll on your own or with guidance. You get help comparing plans and enrolling on time at no extra cost.
Fifteen minutes now means you enroll on time — not scrambling before the December 15 deadline.