Home › Guides › Open enrollment 2027
Guide · Open enrollment 2027Florida open enrollment for 2027.
Open enrollment runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Here is what changed, and a short checklist so you are not automatically renewed into a plan that no longer fits.
Most people's health insurance renews quietly every year. In Florida that is often a mistake: premiums, carriers, networks and subsidies all move between years, and 2027 brings several rule changes. Fifteen minutes in November can save hundreds of dollars a month. Outside Florida? See open enrollment 2027 dates for every state.
The dates
- November 1, 2026: open enrollment starts.
- December 15, 2026: last day to enroll for coverage starting January 1, 2027.
- January 15, 2027: open enrollment ends. Enrollments after December 15 start February 1.
After January 15 you need a qualifying life event to enroll, such as losing other coverage, moving or having a baby.
What changed for 2027
The subsidy cliff is still here
The enhanced credits from 2021 to 2025 are gone. For 2027 coverage, households above 400% of the federal poverty level get no premium tax credit: about $63,840 for one person, $86,560 for two and $132,000 for a family of four. Below the cliff you pay between 2.15% and 10.22% of income toward the benchmark Silver plan. Check where you fall with the ACA subsidy calculator.
Fewer immigrants qualify for subsidies
From 2027, premium tax credits are limited to citizens, green card holders, Cuban and Haitian entrants and citizens of the Compact of Free Association nations. Other lawfully present people can still enroll at full price. Details in our guide for visa holders and immigrants.
Cheaper options for people without a subsidy
Catastrophic plans are open to people who cannot get a subsidy because of their income, and Bronze and catastrophic plans now work with a health savings account. See catastrophic plans and HSAs.
Your 15-minute checklist
- Read your renewal notice. Note next year's premium, deductible and whether your plan is changing or ending.
- Update your income. Your subsidy for 2027 is based on your expected 2027 income, not last year's. If you are self-employed, use net profit after expenses.
- Check your doctors and hospital. Networks change every year. In South Florida, some large hospital systems have gone in and out of network with major carriers recently, so confirm before you renew.
- Check your prescriptions. Make sure each one is still on the plan's drug list and at what cost.
- Compare at least three plans. Include one Bronze, one Silver and one Gold. Under 250% of the poverty level, Silver usually wins because of cost-sharing reductions.
- Enroll by December 15 so coverage starts January 1 with no gap.
Not on the Marketplace?
If your income is above the cliff, or you are losing employer coverage, compare private plans outside the Marketplace too. Leaving a job? Use the COBRA vs private insurance calculator. Self-employed? The self-employed calculator shows your real cost after the tax deduction.
Want someone to do the comparison?
It is free. Send us your ZIP code and current plan, and a licensed advisor will compare your renewal with every option for 2027 within 24 hours, in English or Spanish.
Common questions
When is open enrollment for 2027 in Florida?
From November 1, 2026 to January 15, 2027 on HealthCare.gov, which Florida uses. Enroll by December 15, 2026 for coverage starting January 1, 2027. Enrollments from December 16 to January 15 start February 1.
What happens if I do nothing?
If you have a Marketplace plan, you will usually be re-enrolled automatically, in the same plan or a similar one if yours is discontinued. Your premium, network and subsidy can all change, so automatic renewal can cost you money.
Can I enroll after January 15?
Only with a qualifying life event, such as losing other coverage, moving, marriage or a new baby, which opens a special enrollment period, usually 60 days.
Is the enhanced subsidy coming back for 2027?
Not under current law. The enhanced credits expired on January 1, 2026. For 2027 coverage there is a hard cutoff at 400% of the federal poverty level, and households below it pay between 2.15% and 10.22% of income toward the benchmark plan.
