Bronze, silver or gold for 2027
In 1,104 of 2,055 HealthCare.gov counties the cheapest gold plan cost less than benchmark silver. How cost-sharing reductions change the pick.
Guides
Your 2027 health insurance numbers, worked out line by line.
Open enrollment for 2027 coverage
HealthCare.gov open enrollment runs Nov 1, 2026 to Jan 15, 2027. The deadlines that matter and seven rule changes that affect what you pay in 2027.
Retiring before 65 and the 2027 subsidy cliff
Early retirees face the full 400% cliff again in 2027. What counts as income, a worked Miami-Dade example, and the moves that keep a credit worth $27,000.
Health insurance when you're self-employed
How freelancers figure income for the 2027 marketplace credit, which deductions lower it, and how to avoid a repayment bill now that there's no cap.
Ready to see real 2027 plans?
Apply and compare plans free on HealthCare.gov, or on your state's own exchange if it runs one. We are not affiliated with HealthCare.gov, CMS or any government agency.