Open enrollment for the Affordable Care Act’s health insurance marketplaces begins November 1, allowing consumers to select plans for 2027 coverage. With potential changes to subsidies and eligibility rules, experts advise starting the process sooner to avoid last-minute complications. The federal marketplace, accessible at HealthCare.gov, offers a range of options for uninsured individuals and those seeking to switch plans. Early action may help ensure access to the best available choices before deadlines approach.


The ACA health insurance marketplaces — find yours at HealthCare.gov — open Nov. 1 for 2027 coverage. Getting an early start may be especially important this year.