The February 1 start date option will be eliminated in most states; all plans selected during this window will start January 1, 2027 . đź› Preparation Checklist
Social Security numbers and immigration documents for all household members.
Residents of New York (Essential Plan) or Minnesota (MinnesotaCare) may have year-round options. đź” Looking Ahead: 2027 Deadlines deadline to buy health insurance
Verify if your current doctors are still in-network, as these lists change annually.
The cutoff for coverage starting January 1, 2026 . The February 1 start date option will be
Getting married, having a baby, or adopting a child. Relocation: Moving to a new ZIP code or county. Citizenship: Gaining U.S. citizenship or lawful presence. Year-Round Enrollment
A few states offered extra time, such as California , New York , and New Jersey , which extended deadlines into late January. Washington, D.C. had the latest deadline of February 4, 2026 . đź’ˇ Can You Still Get Insurance? đź” Looking Ahead: 2027 Deadlines Verify if your
Certain programs do not follow the standard deadline and allow enrollment at any time: