Open Enrollment for 2027 runs November 1, 2026 – January 15, 2027. Whether you’re enrolling for the first time or switching plans, following a structured process helps you avoid costly mistakes. Here’s a 10-step checklist.
- Mark your calendar. December 15, 2026 is the deadline for January 1, 2027 coverage. Don’t wait until the last week — plan availability and broker availability can be limited as the deadline approaches.
- Gather your income information. You’ll need to estimate your 2027 household income to determine your premium tax credit eligibility. Collect pay stubs, tax returns, and any other income sources to make an accurate projection.
- List everyone who needs coverage. Know the name, date of birth, and Social Security number for each person going on the plan. Have immigration documents ready if applicable.
- List your current medications. Write down the name, dosage, and frequency of every prescription taken by anyone on the plan. You’ll need this to verify formulary coverage on prospective plans.
- List your preferred providers. Write down the names and specialties of any doctors, specialists, or hospitals you want to remain in-network. You’ll check these against each plan’s provider directory.
- Review last year’s plan performance. Did you hit your deductible? Were you satisfied with the network? Did you have any unexpected coverage gaps? Use this data to guide your tier and plan selection for 2027.
- Compare plans — don’t just look at the premium. The full cost of a plan includes the premium, deductible, copays, coinsurance, and out-of-pocket maximum. Run a total cost estimate for each plan based on your expected healthcare use.
- Check for CSR eligibility. If your income is below ~250% of the FPL, confirm whether a Silver plan with cost-sharing reductions gives you better value than a Bronze plan.
- Enroll through the correct portal. NJ residents use Get Covered NJ (getcovered.nj.gov). Other states may use HealthCare.gov or a state exchange. Make sure you’re enrolling on the right platform.
- Pay your first premium. Coverage doesn’t start until you pay the first premium. Set a reminder to pay promptly after enrollment to avoid delays in your effective date.
Want Help With Any of These Steps?
Paul Z Olah is a licensed independent broker who handles all 10 of these steps with you at no cost. He’ll pull your subsidy eligibility, compare plans in your area, verify your providers and medications, and walk you through enrollment from start to finish.
Contact Paul at Garden State Benefits for a no-cost, no-obligation review of your 2027 options — he’s a licensed independent broker serving individuals and families across 26 states.