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Understanding the Health Insurance Marketplaces

These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare.) For healthcare.gov and in most state-run marketplaces, the open enrollment period for 2027 coverage started on November 1, 2026 (in all states except Connecticut, Idaho, and Massachusetts) and ends on January 15, 2027 (in most states.) Eligible individuals may also enroll in Medicaid at any point during the year and in Marketplace coverage if they qualify for a special enrollment.

9 Things to Watch for the 2027 ACA Open Enrollment Period

The ACA Marketplace Open Enrollment season begins November 1, bringing higher out-of-pocket premium payments, new eligibility requirements for certain groups, and state efforts to offset premium increases following the expiration of enhanced premium tax credits. Read our analysis of what these and other changes could mean for enrollees in the 2027 plan year.

OPEN ENROLLMENT RESOURCES

Health Insurance Marketplace Calculator webpage on a laptop screen, prompting users to enter household information. The page includes a submit button and a results section indicating likely eligibility for financial help.

Health Insurance Marketplace Calculator

The Health Insurance Marketplace Calculator, updated with 2027 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own through the ACA Marketplaces.

RECURSOS EN ESPAÑOL

MARKETPLACE SUBSIDIES

Explaining Health Care Reform: Questions About Health Insurance Subsidies

This brief provides an overview of the financial assistance provided under the ACA for people purchasing coverage on their own through health insurance Marketplaces (also called exchanges).

Beginning January 1, 2027, the 2025 reconciliation law will limit immigrant eligibility for ACA Marketplace subsidies. This brief provides an overview of implementation of the immigrant eligibility changes for Marketplace subsidies and issues to consider for affected individuals and states.

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