Open enrollment for 2027 coverage runs November 1 to January 15.
If you buy your own health insurance, this is the one time each year you can sign up, renew, or switch plans without a special reason. I am here to help you choose well, not to sell you a plan.
The dates
November 1, 2026: open enrollment starts
December 15, 2026: last day to enroll for coverage that starts January 1, in all seven states I serve
January 15, 2027: open enrollment ends on HealthCare.gov and in Kentucky
January 29, 2027: Virginia closes later, because it runs its own exchange
Enroll after December 15 and your coverage usually starts February 1. A plan that ends December 31 can leave you with a gap.
What changed for 2027
The extra premium help is gone: it expired after 2025 and was not renewed.
There is an income line again: above 400% of the federal poverty level, help stops completely.
Your income estimate matters more than it has in years: any difference between your estimate and what you actually earn is settled on your tax return.
If you already have a Marketplace plan
Doing nothing means you are renewed automatically, into the same plan if it is still offered, at its 2027 price.
If your plan is discontinued, you can be moved to a similar plan from a different company.
Update your application by December 15 so you get the savings you qualify for.
Plans, prices, and doctor networks change every year. It is worth a fresh look.
Outside open enrollment
If you lose job-based coverage, move, get married, or have a baby, you usually get a Special Enrollment Period of about 60 days. Here is how that works if your coverage is ending.
What I need from you
The quickest way is my short form: Fill out the form
It asks for:
Names and birth dates for everyone on the plan
ZIP code
Estimated household income for 2027
Doctors you want to keep
Prescriptions you take
Also have the date your current plan ends, if you have one.
Don't have it all yet? Book a time anyway, and we'll start with what you have.
What this costs you
Nothing: my help is free to you.
You pay the same whether you buy on an app, through an impersonal call center, or through a local agent.
The difference: you get me, and I answer the phone in March when a claim gets denied.
What I will tell you straight
If your current plan is still the best fit, I will tell you.
If your job or your spouse's job offers a better deal, I will tell you.
If you are 65 or older, Medicare works differently.
Where to start
No pressure and no obligation to buy.
Or call or text (615) 659-1923
Jacob Drake, licensed health insurance agent, NPN 16627547. HealthMarkets, 2021 Richard Jones Rd, Suite 200, Nashville, TN 37215. Licensed in Tennessee, Alabama, Arkansas, Indiana, Kentucky, North Carolina, and Virginia.