You can enroll in or switch your ACA health insurance plan for the next calendar year during the annual Open Enrollment Period. The 2027 Open Enrollment Period runs from October 23rd, 2026 to January 15, 2026. Enroll by December 15, 2026 for coverage that starts January 1, 2027. Enroll between December 16th, 2026 and January 15th, 2027 for a February 1st, 2027 effective date.

Looking for 2026 coverage? You may still be able to enroll in a Marketplace health insurance plan for 2026 if you qualify for a Special Enrollment Period. You're eligible if you have certain life events, like getting married, having a baby, or losing other health coverage.