Annual Open Enrollment
For Plan Year 2027, the federal Marketplace window runs from November 1 through December 15, 2026. State-based Marketplaces publish their own process and deadline.
Private ACA enrollment planning tool
Can I Enroll in ACA Marketplace Coverage Now?
Check the timing of annual Open Enrollment or a common life event. You’ll get an educational window, the rule behind it, and the records to prepare before applying.
Official Marketplace sources checked July 25, 2026Your answers stay in your browser and are not submitted.
Check When You May Be Able to Enroll in Marketplace Coverage
Choose why you need coverage. The tool compares the date with common HealthCare.gov enrollment windows and shows what you still need to verify.
Your answers stay in this browser. They are not submitted or saved.
The Marketplace makes the decision
This result is educational. It does not determine eligibility, savings, an effective date, acceptable documents, or approval of a Special Enrollment Period. Rules can vary based on the facts and the applicable state Marketplace.
What does the enrollment checker evaluate?
It answers the first timing question without pretending to make the Marketplace’s decision.
Common life events
It maps loss of qualifying coverage, Medicaid or CHIP loss, marriage, a new child, and a qualifying move to the commonly published timing rules.
Questions still requiring proof
The result identifies conditions that need verification, such as prior coverage before a marriage or move. It does not approve an event or accept documents.
Which events can create an enrollment opportunity?
The facts matter. A similar-sounding event may produce a different outcome, so use the exact effective date and read the Marketplace notice.
Loss of qualifying coverage
A job-based plan ending, aging off a parent’s plan, or another qualifying loss may open a window before and after the end date. Voluntarily dropping coverage does not always qualify.
Loss of Medicaid or CHIP
HealthCare.gov currently describes extra time after Medicaid or CHIP ends. Keep the agency notice showing the program and effective end date.
Marriage or a new child
Marriage can create a window, but at least one spouse normally needs prior qualifying coverage unless an exception applies. Birth, adoption, and foster-care placement follow different rules.
A qualifying move
A move to a new ZIP code or county may count. Most movers must show at least one day of qualifying coverage during the prior 60 days; limited exceptions exist.
What should you gather before applying?
Do not wait for the last day to look for proof. The Marketplace Eligibility Notice tells you whether documents are required and where to send them.
- A coverage termination letter or official notice showing the coverage type and effective end date.
- A marriage, birth, adoption, foster-care, or residence record that matches the event entered in the application.
- For a marriage or move, proof of prior qualifying coverage when the requirement applies.
- For a move, records for the new residence and proof of prior qualifying coverage when the rule applies.
- Your Marketplace Eligibility Notice, requested-document deadline, plan selection, and first-premium confirmation.
Official sources used by the checker
The tool uses federal Marketplace guidance. A state that runs its own Marketplace may use a different application process or deadline.
Use the result to take the next useful step
Confirm the enrollment route first. Then estimate savings, compare total plan costs, and verify doctors and prescriptions before selecting a plan.