When is open enrollment in Florida for 2027?

November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1, 2027.

Does Florida have its own health insurance exchange?

No. Florida residents use the federal Marketplace at HealthCare.gov.

Can I get health insurance after open enrollment ends?

Only with a Special Enrollment Period, which requires a qualifying life event such as losing other coverage, moving, marriage or a new baby.

ACA open enrollment in Florida for 2027: dates, deadlines and how to enroll

By the Florida Coverage Compare editorial team · Last updated October 31, 2026

The short answer

Florida residents buy Affordable Care Act (Marketplace) plans through HealthCare.gov. Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Outside open enrollment, you can only enroll after a qualifying life event such as losing other coverage, moving or having a baby.

Key dates for 2027 coverage

Dates have been the subject of federal rule changes and court challenges, so confirm them on HealthCare.gov before you rely on them.

November 1, 2026: open enrollment begins on HealthCare.gov.
December 15, 2026: enroll by this date for coverage starting January 1, 2027.
January 15, 2027: open enrollment ends. Plans chosen after December 15 start February 1.

If you miss open enrollment

You can enroll outside the window only with a Special Enrollment Period, which follows events like losing job-based coverage, moving to a new area, getting married or having a baby. You generally have 60 days after the event to enroll.

Why compare plans every year

Premiums, provider networks and the subsidies you qualify for can change from year to year. A plan that fit last year may cost more or drop your doctors this year. A licensed agent can walk you through the plans available in your county.

Common questions

When is open enrollment in Florida for 2027?: November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1, 2027.
Does Florida have its own health insurance exchange?: No. Florida residents use the federal Marketplace at HealthCare.gov.
Can I get health insurance after open enrollment ends?: Only with a Special Enrollment Period, which requires a qualifying life event such as losing other coverage, moving, marriage or a new baby.

Sources

This guide is general information, not insurance advice. Florida Coverage Compare is not an insurance company or agent. Rules change; confirm details with a licensed agent or the official source. See our editorial standards.