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What’s changing in 2027

The changes most likely to affect what you pay next year, while you can still switch plans.

HealthCare.gov and state Marketplaces

  • Tax credits stay at the pre-2021 levels

    The larger credits of 2021 to 2025 expired. In 2027, households pay between 2.15% and 10.22% of income for a benchmark plan, and there’s no credit above 400% of the poverty level.

    Estimate your 2027 tax credit
  • On HealthCare.gov, open enrollment runs November 1 to January 15

    Sign up by December 15 for coverage that starts January 1. A court struck down a rule that would have shortened open enrollment; the government has appealed. Either way, December 15 is the date to aim for.

  • Job coverage counts as affordable up to 10.22% of income

    If your employer’s cheapest plan for just you costs 10.22% of household income or less, you can’t get Marketplace tax credits instead.

From CMS’s 2027 rate announcement and negotiated drug prices, IRS Rev. Proc. 2026-26, and the 2025 federal budget law’s Medicaid provisions. Amounts and dates can change; check Medicare.gov, HealthCare.gov, or your state Medicaid agency.