Open enrollment 2027: dates by state
When you can sign up for 2027 Marketplace coverage in every state, and the last day to start on January 1.
Open enrollment for 2027 health insurance runs from November 1, 2026 to January 15, 2027 on HealthCare.gov, which 29 states use. Sign up by December 15 for coverage that starts January 1. States with their own exchange set their own dates: Idaho opens October 15, Connecticut opens October 23, Massachusetts opens October 23; California closes January 31, District of Columbia closes January 31, New Jersey closes January 31, Rhode Island closes January 31, Virginia closes January 29, Massachusetts closes January 23; Idaho closes December 15, Vermont closes December 28.
Every date was checked on the state's own exchange on October 2, 2026. Last updated October 3, 2026.
2027 open enrollment dates in every state
Swipe the table sideways for closing dates and the January 1 deadline.
| State | Where to enroll | Opens | Closes | For January 1 coverage |
|---|---|---|---|---|
| Alabama | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Alaska | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Arizona | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Arkansas | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| California | Covered California | November 1 | January 31 | Enroll by December 31 |
| Colorado | Connect for Health Colorado | November 1 | January 15 | Enroll by December 15 |
| Connecticut | Access Health CT | October 23 | January 15 | Enroll by December 15 |
| Delaware | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| District of Columbia | DC Health Link | November 1 | January 31 | Check with the exchange |
| Florida | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Georgia | Georgia Access | November 1 | January 15 | Enroll by December 15 |
| Hawaii | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Idaho | Your Health Idaho | October 15 | December 15 | Enroll by December 15 |
| Illinois | Get Covered Illinois | November 1 | January 15* | Check with the exchange |
| Indiana | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Iowa | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Kansas | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Kentucky | Kynect | November 1 | January 15 | Check with the exchange |
| Louisiana | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Maine | CoverME.gov | November 1 | January 15 | Enroll by December 15 |
| Maryland | Maryland Health Connection | November 1 | January 15 | Enroll by December 31 |
| Massachusetts | MA Health Connector | October 23 | January 23 | Check with the exchange |
| Michigan | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Minnesota | MNsure | November 1 | January 15 | Enroll by December 15 |
| Mississippi | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Missouri | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Montana | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Nebraska | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Nevada | Nevada Health Link | November 1 | January 15 | Check with the exchange |
| New Hampshire | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| New Jersey | Get Covered NJ | November 1 | January 31 | Check with the exchange |
| New Mexico | beWellnm | November 1 | January 15 | Check with the exchange |
| New York | NY State of Health | November 1 | January 31* | Check with the exchange |
| North Carolina | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| North Dakota | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Ohio | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Oklahoma | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Oregon | Explore Health | November 1 | January 15* | Check with the exchange |
| Pennsylvania | Pennie | November 1 | January 15 | Enroll by December 15 |
| Rhode Island | HealthSource RI | November 1 | January 31 | Check with the exchange |
| South Carolina | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| South Dakota | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Tennessee | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Texas | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Utah | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Vermont | Vermont Health Connect | November 1 | December 28 | Enroll by December 15 |
| Virginia | Virginia's Insurance Marketplace | November 1 | January 29 | Enroll by December 15 |
| Washington | Washington Healthplanfinder | November 1 | January 15 | Enroll by December 31 |
| West Virginia | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Wisconsin | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
| Wyoming | HealthCare.gov | November 1 | January 15 | Enroll by December 15 |
* Illinois, New York, and Oregon had not published a 2027 closing date on October 2, 2026; the date shown is last year's. Opening dates fall in 2026 and January closing dates in 2027.
If you miss the deadline
After open enrollment closes you can only sign up with a Special Enrollment Period, usually within 60 days of a qualifying life event: losing other coverage, moving, marriage, a new child. Medicaid and CHIP take applications all year. Check what you would pay before you enroll with the subsidy calculator and the 2027 income limits.
Questions about 2027 open enrollment
When is open enrollment for 2027?
On HealthCare.gov, which 29 states use, open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. States that run their own exchange set their own dates: Idaho opens October 15, Connecticut opens October 23, Massachusetts opens October 23, California closes January 31, District of Columbia closes January 31, New Jersey closes January 31, Rhode Island closes January 31, Virginia closes January 29, Massachusetts closes January 23, Idaho closes December 15, Vermont closes December 28.
What is the deadline to enroll for coverage starting January 1, 2027?
December 15, 2026 on HealthCare.gov. Some state exchanges allow later sign-ups for January 1 coverage: California, Maryland, and Washington accept them until December 31.
Which states have the longest open enrollment for 2027?
California, District of Columbia, New Jersey, and Rhode Island run open enrollment until January 31, 2027, the latest confirmed closing date. The shortest windows close early: Idaho on December 15, Vermont on December 28.
Does open enrollment start before November 1 anywhere?
Yes. Idaho opens October 15, 2026; Connecticut opens October 23, 2026; Massachusetts opens October 23, 2026. Every other state opens November 1, 2026.
Can I enroll after open enrollment ends?
Only with a Special Enrollment Period, which usually lasts 60 days after a qualifying life event such as losing other coverage, moving, marriage, or having a baby. Medicaid and CHIP accept applications all year.
When does coverage start if I enroll in January?
On HealthCare.gov, plans chosen from December 16, 2026 to January 15, 2027 start February 1, 2027. State exchanges that stay open later set their own start dates.