When you can sign up
The dates for 2027 coverage
November 1, 2026 — sign-up opens.
December 15, 2026 — the last day to sign up if you want coverage starting January 1.
January 15, 2027 — the last day to sign up at all. If you sign up between December 16 and January 15, your coverage starts February 1, and you are uninsured for January.
What happens if you miss it
You wait a year.
There are exceptions for big life changes — losing a job with insurance, getting married, having a baby, moving. If one of those happens to you outside of the dates above, call us instead of using this form. Outside of those exceptions, the door closes on January 15 and does not reopen until the following November.
One thing that used to be an exception no longer is. Through 2026, people with low incomes could sign up any month of the year. That ended. If your income is low, January 15 is a real deadline for you now, the same as it is for everyone else.
Our advice on timing
Sign up in November, not January.
Not because we want you to hurry. Because if something on your application needs fixing — a document, a name that does not match, an income question — you want weeks to fix it, not days. January applications are the ones that go wrong.
Page last checked: November 9, 2026.