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Missed open enrollment?
Special enrollmentAny-month plansSelf-employed
After open enrollment

Missed the deadline? Here is what still works.

Open enrollment for 2027 coverage runs November 1 to January 15 in most states. If you missed it, you are not stuck until next November. Here is what to check, in order.

Qualifying life events that reopen the Marketplace for 60 days
Private plans healthy applicants can apply for any month, many on nationwide PPO networks
Stopgaps worth avoiding, and what to plan for next open enrollment
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STEP 1 OF 2
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What do you have right now? *
Did you get a premium tax credit (subsidy) this year? *
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By Erik Moran, licensed health insurance broker (NPN 20970092) · Updated October 14, 2026
Step one

Do you have a qualifying life event?

Quick answer

Missing January 15 closes the Marketplace only for people with nothing new in their lives. A qualifying life event in the past 60 days reopens it. If you have none and your health is good, a private medically underwritten plan can be bought in any month. If neither applies, the next Marketplace window starts November 1, and the months until then are the ones to plan carefully.

  • Losing coverage: a job ends, COBRA runs out, you age off a parent's plan at 26, or you lose Medicaid.
  • Household changes: marriage, divorce with loss of coverage, a birth, an adoption.
  • A permanent move to a new ZIP or state, if you had qualifying coverage beforehand.
  • Not qualifying events: dropping a plan voluntarily, not paying premiums, or simply missing the deadline.
Step two

If you are healthy, private plans are open now

Medically underwritten plans do not follow the open enrollment calendar. A healthy applicant can apply in any month, and coverage can start soon after approval. For self-employed people above the 2027 subsidy line, these plans can cost less than full-price Marketplace coverage, though they cover less in some areas. Many are built on nationwide PPO networks.

The plain truth about private plans: the nationwide PPO plans we quote are private, medically underwritten plans, not Marketplace plans. A nationwide network means in-network doctors and hospitals in many states; it does not mean every service is covered. You answer health questions, and the carrier can decline you or exclude a condition. These plans are not ACA-compliant: depending on the plan, prescriptions, maternity, mental health and other benefits can be limited or left out, some benefits have dollar maximums, and out-of-network care costs more. We walk through exactly what a plan pays before you apply, and if a Marketplace plan fits you better, we tell you that too.
Be careful

Stopgaps to think twice about

  • Short-term plans: legal in some states and limited or banned in others, with term lengths that differ by state. Expect pre-existing conditions to be excluded and benefits to be thin.
  • Fixed indemnity, accident and discount cards: they pay set amounts or discounts, not your medical bills. They are not a replacement for health insurance.
  • Health care sharing ministries: not insurance and not required to pay. See our comparison.

Then put November 1 on the calendar. Enroll by December 15 for coverage starting January 1. Our open enrollment dates by state lists every state we serve.

Over or under the 2027 subsidy line?

Self-employed and 1099 income is counted after expenses. Our free calculator shows which side of the 400% line you land on in about a minute, with results right away and no sign-up.

Run the subsidy cliff calculator →
Questions

Questions we hear most

Can I get health insurance after open enrollment ends?

Yes, with a qualifying life event for a Marketplace plan, or with a private medically underwritten plan if you qualify medically.

What counts as a qualifying life event?

Common ones are losing other coverage, a permanent move with prior coverage, marriage, birth or adoption. Voluntarily dropping a plan does not count.

When is the next open enrollment?

November 1, 2026 through January 15, 2027 on HealthCare.gov, with a December 15 deadline for coverage starting January 1. Some state-run exchanges set different end dates.

Sources

Checked October 14, 2026. Rules and dates change; confirm before you act.

Want real numbers instead of estimates?

Three quick taps and a ZIP code. One licensed broker calls you once with every plan you qualify for. Your information is never sold.

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