If you live in a state without its own exchange, you shop for 2027 health insurance at Healthcare.gov. Open enrollment runs November 1, 2026 through January 15, 2027. Here’s everything you need to know.
Which States Use Healthcare.gov in 2027?
Most states. States with their own exchanges include NJ (NJ Get Covered), CA (Covered CA), NY (NY State of Health), MA (MA Health Connector), MD (Maryland Health Connection), CO (Connect for Health CO), CT, WA, and others. Virginia, Kentucky (kynect), Ohio, Pennsylvania, Florida, Texas, and most other states use Healthcare.gov.
2027 Open Enrollment Deadlines
- November 1, 2026: Open enrollment begins
- December 15, 2026: Enroll for January 1 coverage
- January 15, 2027: Final deadline — coverage starts February 1
Metal Tier Plan Guide
- Bronze: ~60% coverage. Lowest premium, highest deductible. Best for healthy, infrequent users.
- Silver: ~70% coverage. Only tier eligible for Cost Sharing Reductions.
- Gold: ~80% coverage. Higher premium, lower deductible. Best for regular users.
- Platinum: ~90% coverage. Highest premium, lowest out-of-pocket. Best for high healthcare needs.
2027 Subsidies: Still Available, No Income Cap
Enhanced rules cap the benchmark Silver plan at 8.5% of household income at any income level — no 400% FPL ceiling. CSR available on Silver plans for 100–250% FPL households. Healthcare.gov doesn’t show off-market plans; an independent broker can compare both.
Related: Individual & Family Health Plans | Schedule a Free Consultation
Frequently Asked Questions
When does 2027 open enrollment start on Healthcare.gov?
November 1, 2026. Final deadline is January 15, 2027. December 15 for January 1 coverage.
What states use Healthcare.gov for 2027?
Most states. States with own exchanges (NJ, NY, CA, MA, MD, CO, CT, WA, others) do not use Healthcare.gov.
Can I still get subsidies on Healthcare.gov in 2027?
Yes. Enhanced subsidies with no income cap remain in effect. If your benchmark plan costs more than 8.5% of income, you qualify.
What is the difference between Silver and Gold plans?
Silver has lower premiums but higher deductibles. Gold has higher premiums but lower out-of-pocket costs. Silver with CSR can match Gold quality at a lower premium for income-eligible households.
Talk to an Independent Broker — Free
Garden State Benefits is an independent insurance broker licensed in New Jersey and 25 other states. We compare marketplace plans, off-market plans, and subsidy eligibility in a single conversation — at no cost to you.
Open enrollment runs November 1 through January 15. Book a free consultation here or call 856-880-6340.