Plan year 2027 · Updated October 24, 2026
Health insurance by state
27 states use HealthCare.gov directly for 2027, where open enrollment runs November 1, 2026 to January 15, 2027. Arkansas and Oklahoma run state exchanges on the same platform with the same dates. The other 21 states and DC run their own exchanges and set their own dates; California, District of Columbia, Massachusetts, New Jersey, Rhode Island, Virginia stay open past January 15.
| State | Where to enroll | Opens | Closes | For Jan 1 coverage | Medicaid expansion |
|---|---|---|---|---|---|
| Alabama | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Alaska | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Arizona | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Arkansas | Arkansas Health Insurance Marketplace (My Arkansas Insurance) | Nov 1 | Jan 15 | by Dec 15 | Yes |
| California | Covered California | Nov 1 | Jan 31 | by Dec 31 | Yes |
| Colorado | Connect for Health Colorado | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Connecticut | Access Health CT | Oct 23 | Jan 15 | by Dec 15 | Yes |
| Delaware | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| District of Columbia | DC Health Link | Nov 1 | Jan 31 | not stated | Yes |
| Florida | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Georgia | Georgia Access | Nov 1 | Jan 15 | by Dec 15 | No |
| Hawaii | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Idaho | Your Health Idaho | Oct 15 | Dec 15 | by Dec 15 | Yes |
| Illinois | Get Covered Illinois | Nov 1 | Jan 15 | not stated | Yes |
| Indiana | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Iowa | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Kansas | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Kentucky | kynect | Nov 1 | Jan 15 | not stated | Yes |
| Louisiana | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Maine | CoverME.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Maryland | Maryland Health Connection | Nov 1 | Jan 15 | not stated | Yes |
| Massachusetts | Massachusetts Health Connector | Oct 23 | Jan 23 | by Dec 23 | Yes |
| Michigan | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Minnesota | MNsure | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Mississippi | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Missouri | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Montana | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Nebraska | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Nevada | Nevada Health Link | Nov 1 | Jan 15 | not stated | Yes |
| New Hampshire | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| New Jersey | Get Covered New Jersey | Nov 1 | Jan 31 | not stated | Yes |
| New Mexico | beWellnm | Nov 1 | Jan 15 | not stated | Yes |
| New York | NY State of Health | Nov 1 | not announced | not stated | Yes |
| North Carolina | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| North Dakota | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Ohio | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Oklahoma | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Oregon | Explore Health (Oregon Health Insurance Marketplace) | Nov 1 | Jan 15 | by Dec 31 | Yes |
| Pennsylvania | Pennie | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Rhode Island | HealthSource RI | Nov 1 | Jan 31 | not stated | Yes |
| South Carolina | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| South Dakota | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Tennessee | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Texas | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Utah | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Vermont | Vermont Health Connect | Nov 1 | Dec 28 | by Dec 15 | Yes |
| Virginia | Virginia's Insurance Marketplace | Nov 1 | Jan 29 | by Dec 31 | Yes |
| Washington | Washington Healthplanfinder | Nov 1 | Jan 15 | by Dec 31 | Yes |
| West Virginia | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | Yes |
| Wisconsin | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
| Wyoming | HealthCare.gov | Nov 1 | Jan 15 | by Dec 15 | No |
Why later dates this year: a 2025 federal rule would have ended every exchange's 2027 open enrollment by December 31, and HealthCare.gov's by December 15. A federal court in Maryland vacated that part of the rule on June 16, 2026 (City of Columbus v. Kennedy), and the government has appealed. The table shows the dates each exchange has announced. Check your exchange before a deadline if you hear the appeal has been decided.
Get a reminder before the deadline
Email onlySources: HealthCare.gov dates and deadlines page; each state exchange's 2027 announcement; CMS list of state-based marketplaces (updated August 14, 2026); U.S. District Court for the District of Maryland order of June 16, 2026. All checked October 24, 2026.