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Open Enrollment 2027, state by state

Most of the country follows one schedule. nine jurisdictions do not, and that is where people get caught out by national articles quoting the federal dates.

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The federal dates

For most of the country, Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage starting January 1; enroll after that and coverage generally begins February 1.

Nine jurisdictions do not follow that schedule, and this is where national articles get people into trouble. Idaho opens on October 15 and closes on December 15 — no February start is available there at all. Rhode Island closes on December 31, the only year-end deadline in the country. California, New York, New Jersey and the District of Columbia run to January 31; Virginia to January 29; Massachusetts to January 23. If you are in one of those places and you are working from a national deadline, you have the wrong date.

Every state, 2027 coverage

StateOpensCloses
AlabamaNovember 1, 2026January 15, 2027Federal schedule
AlaskaNovember 1, 2026January 15, 2027Federal schedule
ArizonaNovember 1, 2026January 15, 2027Federal schedule
ArkansasNovember 1, 2026January 15, 2027Federal schedule
CaliforniaNovember 1, 2026January 31, 2027Own dates
ColoradoNovember 1, 2026January 15, 2027Federal schedule
ConnecticutOctober 23, 2026January 15, 2027Own dates
DelawareNovember 1, 2026January 15, 2027Federal schedule
District of ColumbiaNovember 1, 2026January 31, 2027Own dates
FloridaNovember 1, 2026January 15, 2027Federal schedule
GeorgiaNovember 1, 2026January 15, 2027Federal schedule
HawaiiNovember 1, 2026January 15, 2027Federal schedule
IdahoOctober 15, 2026December 15, 2026Own dates
IllinoisNovember 1, 2026January 15, 2027Federal schedule
IndianaNovember 1, 2026January 15, 2027Federal schedule
IowaNovember 1, 2026January 15, 2027Federal schedule
KansasNovember 1, 2026January 15, 2027Federal schedule
KentuckyNovember 1, 2026January 15, 2027Federal schedule
LouisianaNovember 1, 2026January 15, 2027Federal schedule
MaineNovember 1, 2026January 15, 2027Federal schedule
MarylandNovember 1, 2026January 15, 2027Federal schedule
MassachusettsOctober 23, 2026January 23, 2027Own dates
MichiganNovember 1, 2026January 15, 2027Federal schedule
MinnesotaNovember 1, 2026January 15, 2027Federal schedule
MississippiNovember 1, 2026January 15, 2027Federal schedule
MissouriNovember 1, 2026January 15, 2027Federal schedule
MontanaNovember 1, 2026January 15, 2027Federal schedule
NebraskaNovember 1, 2026January 15, 2027Federal schedule
NevadaNovember 1, 2026January 15, 2027Federal schedule
New HampshireNovember 1, 2026January 15, 2027Federal schedule
New JerseyNovember 1, 2026January 31, 2027Own dates
New MexicoNovember 1, 2026January 15, 2027Federal schedule
New YorkNovember 1, 2026January 31, 2027Own dates
North CarolinaNovember 1, 2026January 15, 2027Federal schedule
North DakotaNovember 1, 2026January 15, 2027Federal schedule
OhioNovember 1, 2026January 15, 2027Federal schedule
OklahomaNovember 1, 2026January 15, 2027Federal schedule
OregonNovember 1, 2026January 15, 2027Federal schedule
PennsylvaniaNovember 1, 2026January 15, 2027Federal schedule
Rhode IslandNovember 1, 2026December 31, 2026Own dates
South CarolinaNovember 1, 2026January 15, 2027Federal schedule
South DakotaNovember 1, 2026January 15, 2027Federal schedule
TennesseeNovember 1, 2026January 15, 2027Federal schedule
TexasNovember 1, 2026January 15, 2027Federal schedule
UtahNovember 1, 2026January 15, 2027Federal schedule
VermontNovember 1, 2026January 15, 2027Federal schedule
VirginiaNovember 1, 2026January 29, 2027Own dates
WashingtonNovember 1, 2026January 15, 2027Federal schedule
West VirginiaNovember 1, 2026January 15, 2027Federal schedule
WisconsinNovember 1, 2026January 15, 2027Federal schedule
WyomingNovember 1, 2026January 15, 2027Federal schedule

These dates are held in one place in our system, so no page on this site can disagree with another about a deadline. If a state marketplace changes its schedule, this table and every state page update together.

One caution about the federal dates

The 2027 federal schedule has been through litigation. A 2025 rule would have shortened it to November 1 – December 15; a court vacated that provision in June 2026, and the government appealed, with argument expected in late October 2026. CMS confirmed in July 2026 that the November 1 – January 15 schedule stands.

We are publishing the schedule CMS has confirmed. If the appeal changes it mid-season we will update this page and every state page the same day. Given that miscommunicating an enrollment deadline is itself a prohibited marketing practice, we would rather say this plainly than present a date as more settled than it is.

Related

What to do if you missed Open Enrollment · Why coverage costs more in 2026 · What it actually costs

If you miss it

More stays open than most people think — a qualifying life event opens a 60-day window at any time of year, and Medicaid and CHIP accept applications every day. Here is the full list.

Common questions

When is Open Enrollment for 2027 coverage?

November 1, 2026 to January 15, 2027 on the federal marketplace. Nine jurisdictions set their own dates — check the table above for yours.

Which states have different dates?

Idaho, Connecticut, Massachusetts, California, New York, New Jersey, the District of Columbia, Rhode Island and Virginia. Idaho opens earliest and closes earliest. California, New York, New Jersey and the District of Columbia run latest, to January 31. Illinois and Pennsylvania run their own marketplaces but follow the federal January 15 deadline — several national round-ups still list them as January 31 states.

What is the deadline for coverage starting January 1?

December 15, 2026 in most states. Enroll after that and coverage generally begins February 1 — except in states that close before then, where no February start exists.

Could these dates change?

The federal schedule is subject to a pending appeal with argument expected in late October 2026. CMS confirmed the current dates in July 2026. We will update this page immediately if that changes.

What if I miss Open Enrollment?

A qualifying life event — job loss, turning 26, moving, marriage, a birth, losing Medicaid — opens a 60-day Special Enrollment Period at any time of year. Medicaid and CHIP have no window at all.

Talk it through with a licensed agent

Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.

Call (866) 821-1808

Free to call, no obligation, and we never ask you for payment. CobraScout is paid by the agency that answers, not by you. TTY 711.

Sources

  • HealthCare.gov, Dates and deadlines for 2027 health insurance
  • CMS, 2026 Marketplace Open Enrollment Period national snapshot
  • CMS operational statement, July 27, 2026
  • healthinsurance.org, state marketplace deadlines
  • City of Columbus v. Kennedy, D. Md. and 4th Cir. docket

Published by CobraScout · Last checked against the sources above on August 26, 2026 · See our editorial policy and corrections policy

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