ACA Open Enrollment for 2027
Cigna is leaving the ACA marketplace in Florida and 10 other states for 2027 — about 369,000 people need a new plan.
It's the second straight year of insurer exits: Aetna left the Marketplace in 17 states for 2026, and KFF is tracking 9 insurers exiting for 2027. If your insurer is on the list, Open Enrollment is when you choose what's next.
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ACA Open Enrollment for 2027
November 1, 2026 – January 15, 2027
Enroll by December 15 for coverage that starts January 1, 2027.
Dates are for HealthCare.gov states (Eastern Time). State-run marketplaces may set different deadlines. A pending federal appeal over the 2025 Marketplace rule could change the window; we'll update this page if it does.
What changed
Why your 2027 decision matters more than usual
The enhanced premium tax credits expired on December 31, 2025. Payments and deductibles rose in 2026, insurers are proposing another round of increases for 2027, and several are leaving the Marketplace. Here is what the data shows.
+58%
Average monthly payment, 2026
After enhanced subsidies expired on December 31, 2025, the average monthly premium payment across all Marketplace enrollees rose 58% in 2026 (KFF, observed).
Source: KFF; Kansas Health Institute
2×+
Projected · subsidized, same plan
KFF projected payments would more than double (+114% on average) for subsidized enrollees keeping the same plan. That was a pre-season projection for a different group than the observed 58% figure, which covers all enrollees.
400%
The subsidy cliff is back
With the enhanced credits gone, households earning above 400% of the federal poverty level no longer qualify for any premium tax credit.
Source: Kansas Health Institute
~15–16%
Proposed 2027 premium increases
Insurers have proposed 2027 increases of roughly 15–16% — about 15% nationally at the median and near 16% in Florida. These are proposals, not final rates.
Source: ACASignups.net; KFF
+$1,027
Average deductible increase, 2026
The average Marketplace deductible rose $1,027 per person in 2026, to $3,786, as more people moved to higher-deductible plans.
Source: KFF
87%
Still get a subsidy
Most enrollees still receive a premium tax credit — it's just smaller for many. Your number depends on your 2027 income and household, so let us recalculate yours.
Source: CMS
Missing the window is genuinely harder now
The year-round special enrollment period for lower-income households has been eliminated. Outside Open Enrollment, most people need a qualifying life event to enroll.
Source: Kansas Health Institute
Check your own number
What would you actually pay in 2027?
Enter your household income and size to see your income as a percentage of the Federal Poverty Level and what the law expects you to contribute toward the benchmark plan. This is not your final premium or subsidy amount — those depend on the specific plans available in your county, which a licensed advisor can pull up for you at no cost.
Estimate for plan year 2027 based on IRS Rev. Proc. 2026-26 and 2026 HHS poverty guidelines. Your official determination comes from HealthCare.gov. Not tax advice.
Above the federal subsidy cutoff
Higher household income? Worth comparing.
If your household income is above the federal subsidy cutoff, you may want to compare Marketplace plans against private insurance options at full premium. We can walk you through both.
Explore private insurance optionsLet us recalculate your subsidy for 2027
Answer a few questions about your household and a licensed advisor will compare the Marketplace plans in your county and check what you qualify for. No cost for our help, no obligation to enroll.
New to the Marketplace? Start with our ACA health insurance overview.
Frequently asked
2027 Open Enrollment questions
Sources
Figures on this page were compiled in September 2026. 2027 premium figures are insurer proposals, not final rates.
- STAT News — Cigna exits the ACA market for 2027 (Apr 30, 2026)
- KFF — Tracking insurer participation changes in the ACA Marketplaces in 2027
- KFF — What we know so far about 2026 ACA Marketplace enrollment, premiums, and deductibles (May 2026)
- KFF — ACA Marketplace premium payments would more than double if enhanced tax credits expire (Sep 2025)
- KFF — The average Marketplace deductible grew by about $1,000 per person in 2026
- Kansas Health Institute — What's changing on the ACA Marketplace, Part 1
- Kansas Health Institute — What's changing on the ACA Marketplace, Part 2
- ACASignups.net — 2027 proposed rate changes by state
- CMS — Health Insurance Exchanges 2026 Open Enrollment Report
- CMS — Marketplace 2026 Open Enrollment Period Report: National Snapshot (state plan selections)
- HealthCare.gov — Dates and deadlines for 2027 coverage