Health insurance for 2027
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027 on HealthCare.gov; enroll by December 15 for cover from January 1. Marketplace prices are rising again: the average benchmark silver premium is up 13%, and the enhanced subsidies that kept costs down expired in 2026, so people earning above 400% of the poverty level now pay full price.
Most people under 65 get coverage through work, where the average total premium was $9,325 for single cover and $26,993 for family cover in 2025. If you buy your own plan, choosing the right metal tier and plan type for your doctors and budget matters more than ever.
Sources: healthinsurance.org: ACA open enrollment deadlines (updated Oct. 28, 2026); KFF: 2025 Employer Health Benefits Survey; KFF: 9 Things to Watch for the 2027 ACA Open Enrollment Period (Nov. 6, 2026).