Open Enrollment · 2027 coverage

Open Enrollment, without the rush.

For 2027 coverage in Florida, Open Enrollment runs November 1, 2026 to January 15, 2027. Here's what to know and what to have ready.

The key dates

  • November 1, 2026: Open Enrollment opens
  • December 15, 2026: enroll by this date for coverage that starts January 1
  • January 15, 2027: last day to enroll; coverage starts February 1

These dates are for states that use HealthCare.gov, including Florida.

Even if you're happy with your plan, look again

Premiums, networks and drug lists can change every year. If you do nothing, you may be renewed into a plan that no longer fits. Emily reviews your current plan against new options before the deadline.

What to have ready

  • Your ZIP code and everyone you want to cover
  • An estimate of this year's household income
  • Doctors, hospitals and prescriptions you want to keep
  • Your current plan details, if you have one

Missed it?

Outside Open Enrollment you usually need a qualifying life event, like losing coverage, moving, marriage or a new baby. You generally have 60 days from the event to enroll.

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Questions

Plain answers, before you call.

All questions →
What happens if I miss the January 15 deadline?

You generally can't enroll until the next Open Enrollment unless you have a qualifying life event.

Will my plan renew automatically?

Often, yes, but your plan, price or network may change. It's worth reviewing every year.

Does Emily charge for help with Open Enrollment?

No. There's no fee to work with Emily.

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I was able to find a health plan for me and my family for the best possible rate. The coverage I selected is extensive and I was amazed on the pricing.
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