Open Enrollment for 2027 runs November 1 – January 15
Pick your 2027 health plan by December 15
Enroll in or switch ACA Marketplace plans during Open Enrollment, and your new coverage starts January 1. Andres compares the plans available in your ZIP code and handles the enrollment for you, in English or Spanish, at no cost to you.
Key Dates for 2027 Coverage
These dates apply in Florida and most states that use HealthCare.gov. A few states run their own Marketplace with different deadlines, and Andres will confirm yours.
November 1, 2026
Open Enrollment begins. Enroll in a new plan or switch plans.
December 15, 2026
Last day to enroll for coverage that starts January 1, 2027.
January 15, 2027
Open Enrollment ends. Plans chosen after December 15 start February 1.
After January 15
You can only enroll with a Special Enrollment Period, usually after a qualifying life event.
Already Have a Marketplace Plan? Review It Before It Renews.
Your plan will most likely renew on its own. That doesn't mean it's still the right plan. All of these can change for 2027:
Your monthly premium
Rates reset every year, and your tax credit is recalculated based on your expected 2027 income.
Your doctors and hospitals
Providers can leave a plan's network from one year to the next.
Your prescriptions
A change to the plan's drug list can move a medication you take to a higher cost tier.
Your deductible and copays
The same plan can come back with different out-of-pocket costs.
My help is free
You pay the same premium whether you enroll on your own or with me. The insurance company pays the broker, so the review, the comparison, and the enrollment cost you nothing.
Andres Zelada, Licensed Health Insurance Broker
What to Have Ready
Have these handy and we can usually finish in one call.
Ready for 2027?
Get Your Free 2027 Plan Review
Tell us a little about you and Andres will compare the plans available where you live, then follow up with a short list worth considering.
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📅 Schedule a CallFrequently Asked Questions
When is Open Enrollment for 2027 health insurance?
In Florida and most states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Plans chosen from December 16 through January 15 start February 1. A few states run their own Marketplace with different dates, and Andres will confirm the deadline for your ZIP code.
I already have a Marketplace plan. Do I need to do anything?
Your plan will most likely renew automatically, but your premium, doctor network, drug list, and tax credit can all change for 2027. Review your renewal notice before December 15 so you can still switch to a plan that starts January 1.
Does it cost more to enroll through a broker?
No. You pay the same premium whether you enroll on your own or with a licensed broker. The insurance company pays the broker, so the plan review and enrollment help are free to you.
What if I miss the deadline?
You may still qualify for a Special Enrollment Period if you have a qualifying life event, such as losing other coverage, moving, getting married, or having a baby. Many private health plans also accept applications year-round. Call before you assume you are out of options.
Can I get help in Spanish?
Yes. Andres offers full consultations and enrollment help in English and Spanish.