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Starts November 1, 2026

Open Enrollment 2027 for health insurance

Short answer: in states that use HealthCare.gov, open enrollment 2027 runs from November 1, 2026 to January 15, 2027. Pick your plan by December 15, 2026 to be covered from January 1. Georgia and other states with their own marketplace publish their own dates.

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External site: TOP Insurance’s quoting portal is operated by Lucie Health. Plans, prices and online enrollment depend on your state and ZIP code.

Dates and marketplace by state

These are the states where TOP Insurance holds a health insurance license. Always confirm dates on your state’s official site.

StateOfficial marketplaceStartsDeadline for January 1 coverageEnrollment endsSource
AlabamaHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
ArizonaHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
ColoradoConnect for Health Colorado November 1, 2026Confirm on the official siteConfirm on the official siteOfficial
FloridaHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
GeorgiaGeorgia Access Confirm on the official siteConfirm on the official siteConfirm on the official siteOfficial
IllinoisGet Covered Illinois November 1, 2026December 15, 2026January 15, 2027Official
MarylandMaryland Health Connection November 1, 2026December 31, 2026January 15, 2027Official
North CarolinaHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
South CarolinaHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
TexasHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
UtahHealthCare.gov November 1, 2026December 15, 2026January 15, 2027Official
VirginiaVirginia’s Insurance Marketplace November 1, 2026Confirm on the official siteJanuary 29, 2027Official

Dates checked on 10-27-2026 against the linked official sources. In Illinois and Maryland, if you enroll January 1-15, coverage starts February 1. Plan and carrier availability varies by state and county. TOP Insurance has offices in Georgia and serves clients by phone and online.

Georgia: you enroll through Georgia Access

Since the 2024 open enrollment (2025 plans), Georgia no longer uses HealthCare.gov: the state’s ACA plans are purchased through Georgia Access, the state marketplace, directly or with a registered agent. Available carriers change every year; check that your doctors and drugs are still covered in 2027.

Financial help in 2027

The premium tax credit depends on your income, household size and immigration status. The enhanced subsidies expired at the end of 2025 and starting in 2027 there are more limits based on immigration status, so your help may change. We cannot guarantee a subsidy: the amount is determined by your state’s marketplace.

How to compare plans

  • Monthly premium and deductible.
  • Out-of-pocket maximum.
  • Doctor and hospital network.
  • Covered drugs.
  • Plan level: Bronze, Silver or Gold.

Health & supplemental insurance

Besides a medical plan, you can add dental, vision or supplemental policies. Coverage depends on the policy and the state.

Health Insurance (ACA / Marketplace)Short-Term Medical Insurance Not an ACA planDental InsuranceVision InsuranceAccident Insurance Not an ACA planCancer Insurance Not an ACA planCritical Illness Insurance Not an ACA planHospital Protection (Hospital Indemnity) Not an ACA planOther Supplemental Coverage Not an ACA plan

Unsure between an ACA plan, short-term medical or fixed indemnity? ACA vs. Short-Term Medical vs. Fixed Indemnity

Compare 2027 plans in minutes

Prefer to talk to an agent? Call us at 1-877-579-0587.

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Frequently asked questions

When is open enrollment 2027?

In states that use HealthCare.gov it runs from November 1, 2026 to January 15, 2027. If you pick a plan by December 15, 2026, coverage starts January 1, 2027. States with their own marketplace publish their own dates: Illinois matches HealthCare.gov; in Maryland you pick a plan by December 31 for coverage from January 1 and enrollment ends January 15; Virginia closes January 29, 2027. Georgia (Georgia Access) and Colorado have not yet published all their 2027 dates: confirm them on their official site.

In Georgia, do I enroll on HealthCare.gov?

No. Georgia has its own marketplace, Georgia Access. Georgia ACA plans are purchased through Georgia Access, directly or with a registered agent or broker.

Will I get help paying the premium?

It depends on your income, household size, immigration status and other rules. The enhanced subsidies expired at the end of 2025, so help may be lower than before. The portal shows an estimate, but the final amount is determined by your state’s marketplace.

Can I enroll online with TOP Insurance?

You can quote online on TOP Insurance’s portal. Whether you can finish enrolling online depends on your state, ZIP code and plan. If it is not available, a licensed TOP agent will help you complete it.

Does accident or short-term insurance replace an ACA plan?

No. Short-term medical, accident, cancer and critical illness insurance are not comprehensive ACA plans. They can complement your coverage, but they have limits and exclusions.

What happens if I miss the deadline?

After the deadline you can only enroll in an ACA plan if you qualify for a special enrollment period after a life event, such as losing coverage, getting married or having a baby.

Content reviewed by a licensed agent

Jose Lopez Ramirez

Licensed insurance agent · TOP Insurance

  • National Producer Number (NPN): 19547775 Verify license
  • Lines of authority: Health, Life & Accident, Dental
  • Registered with Georgia Access and the Federal Marketplace (FFM) for plan year 2026

The link opens the official NAIC license lookup system (State Based Systems). Search by NPN.

Updated: October 27, 2026

Sources

General information, not legal or tax advice. Acceptance, benefits and prices depend on the carrier, the policy and the state.

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