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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.

Medicaid

  • Work requirements start January 1, 2027 in most states

    In states that expanded Medicaid, most adults 19 to 64 covered through the expansion must show 80 hours a month of work, school, job training, or volunteering, or earn about $580 a month. People who are pregnant, caring for a young child or a person with a disability, medically frail, and some others are exempt. Watch your mail and keep your contact information current with your state.

    Check what you qualify for
  • More frequent eligibility checks

    Adults covered through the Medicaid expansion will have their eligibility reviewed every 6 months instead of once a year. Respond to renewal letters quickly so coverage doesn’t lapse.

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.