Open Enrollment 2027: dates and requirements to enroll in Florida and Texas

Open Enrollment dates for 2027 coverage

The annual Marketplace enrollment period for 2027 coverage runs from November 1, 2026 to January 15, 2027. Florida and Texas use the federal Marketplace, HealthCare.gov.

For your coverage to start on January 1 you normally must choose your plan before the December deadline set by the Marketplace. Always confirm the current date on HealthCare.gov or with an advisor.

What you can do during this window

• Enroll in a plan if you don't have Marketplace coverage.
• Renew or change the plan you already have.
• Update your income, household and dependents information.
• Check whether you qualify for help with the cost of the premium.

What to prepare before November 1

• ZIP code and age of each person you want to cover.
• An estimate of your household's annual income for 2027.
• Details of your current insurance and any insurance your employer offers.
• List of your doctors, clinics and medications, to verify the plan's network.
• Identity or immigration documents for those applying for coverage.

If you already have a plan

Many plans renew automatically, but it's worth comparing every year. Premiums, medical networks, drug lists and available help can change, and so can your income or household.

If you miss the date

Outside Open Enrollment you can normally only enroll if you have a Special Enrollment Period due to a qualifying life event, such as losing other coverage, moving or having a baby. Medicaid and CHIP can be applied for year-round if you meet the income requirements.

We support you in Spanish

At Marseguros USA we help you compare plans and complete your application in Florida and Texas, with no charge for the advice. Write to us before enrollment opens and arrive with everything ready.