ACA 2027 Enrollment: New Rules, Dec. 15 Deadline to Know
MIAMI – November 02, 2026 -- Open enrollment for 2027 ACA health plans started Sunday, November 1, and runs through January 15, 2027, in states that use the federal Marketplace. Shoppers who want coverage starting January 1 should enroll by December 15.
New federal rules change how you sign up
Shoppers must now approve their agent through a one-time text or email link. People new to the Marketplace may also need to verify their identity.
A repayment rule applies starting with tax year 2026. Families who receive more premium tax credit than they qualify for must repay the full difference.