When can you sign up for health insurance?
Most people can buy or switch an ACA plan only during Open Enrollment. On HealthCare.gov, the window for 2027 coverage runs November 1 through January 15. If you enroll by December 15, your plan starts January 1. Our complete Open Enrollment guide walks through every date and deadline.
Life changes that open a Special Enrollment Period
Outside that window, you need a qualifying life event. For example, losing job-based coverage, getting married, having a baby or moving can open a 60-day Special Enrollment Period. Read how life changes affect your coverage and how to buy a plan after Open Enrollment ends.
Leaving a job or losing coverage
When work coverage ends, you usually have two paths: COBRA or a Marketplace plan. Compare them in our COBRA vs Marketplace breakdown. Between jobs? Then see how to stay covered between jobs.
Renewing, reviewing and switching plans
Plans, prices and networks change every year. So review your plan before you renew, and switch if a better fit exists. Start with our yearly coverage checkup, then read how to switch plans the right way.
Get help from a licensed agent
Not sure whether you qualify to enroll right now? Call a licensed Vivna agent at 888-730-6001. We check your dates, compare plans and enroll you at no cost to you.