{"content_id":"2oodqv68wd","slug":"aca-marketplace-2027-enrollment-deadlines-and-application","locale":"en","schema_type":"HowTo","category":"policy_guide","category_name":"Policy Guide","title":"ACA Health Insurance 2027 Deadlines and How to Apply","summary":"To get coverage for January 2027 through HealthCare.gov, you must enroll by December 15, 2026 (U.S.). Check your state's schedule and your immigration status, then apply, choose a plan, and pay your first premium.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Check eligibility and enrollment deadlines for each coverage start date through your state's marketplace.","Prepare household member information, immigration status documents, and your estimated household income for 2027.","Complete the official application and check your eligibility results for premium assistance.","Compare healthcare providers, prescription drugs, and out-of-pocket costs, and choose a plan by the deadline.","Pay your first premium to the insurer, then confirm that your coverage has started."],"content_markdown":"To get ACA Marketplace coverage starting in January 2027, you must enroll **by December 15, 2026**. This deadline applies to HealthCare.gov users. Prepare your income and immigration status information before applying.\n\nThe enrollment schedule is based on the Iowa Insurance Division's November 6, 2026 notice.\n\n## How to Apply for ACA Health Insurance\n\nCheck your eligibility and apply through your state's official Marketplace. The ACA Marketplace is where you enroll in individual health insurance. Eligibility for premium assistance is also reviewed during the application process.\n\n1. Check where to apply in your state. Create an account or log in to your existing account at HealthCare.gov. If your state runs its own Marketplace, use that state's platform.\n2. Prepare information about your household members and income. Also prepare immigration status documents for those enrolling.\n3. Complete an application for 2027 coverage. After submitting it, check your eligibility results and any requests for additional documents.\n4. Compare insurance plans. Complete your selection by the deadline for your desired coverage start date.\n5. Pay your first premium by the insurer's deadline. Then check your account and with your insurer to confirm that coverage has started.\n\nYou can start an online application through the [HealthCare.gov application guide](https://www.healthcare.gov/apply-and-enroll/how-to-apply/). If you cannot access your existing account, reset your password. HealthCare.gov advises against creating a new account in this situation.\n\n## Enrollment Deadlines by Coverage Start Date\n\nHealthCare.gov's open enrollment period ends on January 15, 2027 (U.S.). The deadline for coverage starting in January is earlier. The dates below have not been converted to Korean dates.\n\n| When you complete your plan selection | Coverage start date | Additional requirement |\n|---|---|---|\n| November 1 to December 15, 2026 | January 1, 2027 | Pay the first premium according to the insurer's instructions |\n| December 16, 2026 to January 15, 2027 | February 1, 2027 | Pay the first premium according to the insurer's instructions |\n| After January 15, 2027 | Check based on the qualifying reason for special enrollment | Confirm special enrollment eligibility and the applicable schedule |\n\nHealthCare.gov's “When can you get health insurance?” states:\n\n\u003e December 15: Last day to enroll in or change plans for coverage to start January 1.\n\nCreating an account does not complete your plan selection. After submitting your application, confirm that you have also completed your plan selection. You must separately meet the first premium payment requirement. [HealthCare.gov enrollment schedule](https://www.healthcare.gov/quick-guide/dates-and-deadlines/)\n\n### If You Need January Coverage\n\nIf you want your new insurance to cover medical care in January, follow the deadline for a January start. If you select a plan through the federal platform on December 16, coverage starts on February 1. That selection alone does not give you January coverage.\n\n## Comparing Enrollment Schedules in New York and California\n\nFor New York and California, check their own Marketplace schedules. Both states have different open enrollment end dates from the federal platform. Do not assume their deadlines for January coverage are the same, either.\n\n| Application platform | Open enrollment period for 2027 coverage | Deadline for coverage starting January 1, 2027 |\n|---|---|---|\n| HealthCare.gov | November 1, 2026 to January 15, 2027 | December 15, 2026 |\n| New York NY State of Health | November 1, 2026 to January 31, 2027 | Guidance says to enroll by December 15, 2026 |\n| California Covered California | November 1, 2026 to January 31, 2027 | December 31, 2026 |\n\nThe New York schedule is stated in the New York City Health Department's 2027 enrollment guide. If you enroll in January in California, coverage starts on February 1. For other states, check the state's official Marketplace. [New York City Health Department guidance](https://home4.nyc.gov/site/doh/health/health-topics/health-insurance.page), [Covered California enrollment schedule](https://www.coveredca.com/enrollment/open-enrollment)\n\n## Who Can Enroll and Conditions by Immigration Status\n\nFirst, check the U.S. residency and citizenship or immigration status requirements. People who are incarcerated are generally excluded from enrollment. If you have Medicare coverage, you cannot enroll in Marketplace health insurance. [HealthCare.gov basic eligibility requirements](https://www.healthcare.gov/quick-guide/eligibility/)\n\nFor 2027, check insurance enrollment eligibility and financial assistance eligibility separately. Even for people who are lawfully present, these are not the same. HealthCare.gov explains the assistance restrictions starting in 2027.\n\n| Status or situation | What to check for Marketplace enrollment | What to check for 2027 financial assistance |\n|---|---|---|\n| U.S. citizen or U.S. national | Basic enrollment requirements, including residency | Separate review of income, eligibility for other insurance, and other factors |\n| Lawful permanent resident LPR | Can enroll if basic requirements are met | Included among immigration statuses eligible for assistance review |\n| Cuban or Haitian entrant | Confirm the relevant immigration status and basic requirements | Included among immigration statuses eligible for assistance review |\n| Compact of Free Association COFA migrant | Confirm the relevant immigration status and basic requirements | Included among immigration statuses eligible for assistance review |\n| Refugees, people granted asylum, certain nonimmigrant visa holders, and others | May enroll depending on immigration status | That status alone does not qualify them for 2027 assistance |\n| DACA recipient | Listed as ineligible for Marketplace enrollment | Not eligible for that Marketplace assistance |\n\nCuban or Haitian entrant is a specific classification under immigration law. Do not assume that Cuban or Haitian nationality alone places someone in this category. An immigration status eligible for assistance review does not guarantee subsidy approval. [HealthCare.gov immigration status guidance](https://www.healthcare.gov/immigrants/immigration-status/)\n\n## Information to Prepare Before Applying\n\nThe application requires information about your entire household, not just those enrolling. A household is generally based on the tax filer, their spouse, and their tax dependents. You may also be asked for information about household members who are not enrolling in insurance.\n\n| Item to prepare | Details to check |\n|---|---|\n| Basic personal information | Names, dates of birth, family relationships |\n| Residence and contact information | Home address, mailing address, ZIP code |\n| Identity and immigration status information | SSN information, immigration documents for applicable applicants |\n| Tax filing information | Whether spouses file jointly or separately, dependents |\n| Income records | Recent pay stubs, business income and expenses, other income |\n| Estimated annual income | Expected household income for 2027, the coverage year |\n| Current insurance information | Information about existing insurance and employer-provided insurance |\n\nLast year's tax return can help you estimate income. However, assistance eligibility is based on expected income for the coverage year. Account for any expected job changes or changes in work hours. [Application checklist](https://www.healthcare.gov/downloads/apply-for-or-renew-coverage.pdf), [Income calculation guidance](https://www.healthcare.gov/income-and-household-information/income/)\n\n## What to Compare Before Automatic Renewal\n\nReview the details of your 2027 plan rather than waiting for automatic renewal. Premiums and provider networks can change each year. You also need to recheck the list of covered prescription drugs.\n\n| Item to compare | Details to check |\n|---|---|\n| Monthly premium | Actual amount you pay after the tax credit |\n| Deductible | Annual amount you pay first for certain covered services |\n| Costs when receiving care | Fixed copayments and coinsurance paid as a percentage of costs |\n| Out-of-pocket maximum | The plan's annual limit and what it applies to |\n| Provider network | Whether the doctors, hospitals, and laboratories you will use are under contract |\n| Prescription drug list | Whether your medications are covered and the cost conditions |\n\nThe legal maximum out-of-pocket limit for 2027 is $12,000 for an individual. The maximum for family coverage is $24,000. Individual plans may have lower limits. [HealthCare.gov out-of-pocket maximum](https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/)\n\nMonthly premiums do not count toward this limit. Neither do costs for noncovered care or out-of-network care. Therefore, do not treat this limit as a cap on all annual medical expenses.\n\nIn Iowa, you also need to check Medica's withdrawal from the individual insurance market. The withdrawal takes effect on January 1, 2027. Affected enrollees must choose a new insurer during open enrollment. [Iowa Insurance Division 2027 enrollment notice](https://iid.iowa.gov/press-release/2026-11-06/2027-aca-health-insurance-open-enrollment-begins-iowa-insurance-division-urges-residents-review)\n\nYou can search for providers and prescription drugs on the plan comparison screen. Also review the summary of benefits and the insurer's provider directory. Base your assessment of your premium on the quote shown in the official comparison tool. [HealthCare.gov plan comparison guide](https://www.healthcare.gov/choose-a-plan/comparing-plans/)\n\n## Income Changes and Tax Credit Reconciliation\n\nAdvance payments of the premium tax credit are not your final assistance amount. APTC pays your estimated tax credit to your insurer in advance. This reduces the monthly premium you pay by that amount.\n\nThe estimate is calculated using household income, family composition, and other factors. Eligibility for other coverage, such as employer-sponsored insurance, also affects it. Once your actual annual income is determined, the amounts are reconciled on your tax return. [IRS premium tax credit questions and answers](https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit)\n\nAccording to the IRS, you must repay the full amount of excess advance payments starting with the 2026 tax year. The previous caps on repayment of excess amounts no longer apply. Enter income estimates carefully when applying for 2027 coverage as well. [IRS guidance on repaying excess advance payments](https://www.irs.gov/tax-professionals/eitc-central/repayment-caps-eliminated-for-excess-advance-payments-of-the-premium-tax-credit)\n\n1. Enter your expected household income for the coverage year. For self-employment income, use expected net income after expenses.\n2. Update your application information if your income or family composition changes. Also report changes in eligibility for employer-sponsored insurance.\n3. If you used advance payments, reconcile them when filing your tax return. IRS Form 8962 compares advance payments with your actual tax credit.\n\nIf your income is irregular, make a reasonable estimate using current information. You can update it whenever changes occur. You can choose to receive all or part of your estimated tax credit in advance.\n\n## Paying the First Premium and Confirming Coverage\n\nYou pay the first premium to the insurer, not the Marketplace. Follow the insurer's instructions for payment methods and deadlines. Coverage does not start before you pay the first premium.\n\n1. Open your application details in your HealthCare.gov account. If online payment is supported, select the option to pay your first premium.\n2. Complete payment on the linked insurer page. If there are no instructions or you are unsure whether payment went through, contact the insurer.\n3. Check your coverage information under My Plans \u0026 Programs in your account. If the start date or payment processing is unclear, check with the insurer.\n\nCheck the plan selection deadline and premium payment deadline separately. After the first payment, you must continue paying monthly premiums on time. HealthCare.gov warns that coverage may end if you do not pay. [Guide to completing enrollment and paying the first premium](https://www.healthcare.gov/apply-and-enroll/complete-your-enrollment/)\n\n## Common Enrollment Mistakes\n\nDo not treat completing enrollment and starting coverage as the same step. You also need to distinguish state schedules and assistance conditions by immigration status. Check the following against your application results.\n\n| Common misunderstanding | What to check |\n|---|---|\n| Applying on the last day of open enrollment gives you coverage starting in January | Late enrollment through the federal platform starts coverage on February 1 |\n| Submitting the application completes enrollment | Whether you selected a plan and paid the first premium |\n| You can simply enter last year's income | Expected household income for 2027 |\n| Anyone lawfully present can receive financial assistance | Immigration statuses eligible for 2027 assistance |\n| Automatic renewal means the same hospitals and medications stay covered | The new plan's network and prescription drug list |\n| You also apply for Medicare through HealthCare.gov | Medicare's separate enrollment platform |\n\nIf you are asked for additional documents, check the submission deadline in the notice. The Marketplace may request supporting documents to verify your application information. The types of documents depend on the reason for the request. [HealthCare.gov supporting documents and deadlines](https://www.healthcare.gov/verify-information/documents-and-deadlines/)\n\n## Enrollment After the Deadline and Official Help\n\nOnce open enrollment ends, check whether you qualify for a Special Enrollment Period. Marriage, childbirth, loss of insurance, or moving may be qualifying reasons. Qualification is not automatic because you must meet the conditions for each reason.\n\nThe Iowa notice also announces the end of year-round special enrollment for people with low incomes. This applies to the program for households with incomes at most 150% of the federal poverty level. In 2027, do not expect to enroll at any time solely because of low income.\n\nYou can apply for Medicaid and CHIP outside the open enrollment period. Each program conducts its own eligibility review. If you have Medicare, do not confuse it with applying for ACA coverage. [HealthCare.gov enrollment period guidance](https://www.healthcare.gov/quick-guide/dates-and-deadlines/)\n\n| Inquiry | Official contact |\n|---|---|\n| Federal Marketplace application and eligibility assistance | HealthCare.gov, 1-800-318-2596 |\n| TTY for people with hearing or speech disabilities | 1-855-889-4325 |\n| Find local enrollment assistance | Find local help on HealthCare.gov |\n| Confirm first premium payment and coverage activation | Your selected insurer's customer service |\n| Medicare assistance | Medicare, 1-800-633-4227 |\n\nThe federal call center operates 24 hours a day, every day except holidays. Application assistance is also available in other languages. For local assistance, find a Marketplace-certified assister. [HealthCare.gov contact information](https://www.healthcare.gov/contact-us/), [Official enrollment assistance guide](https://www.healthcare.gov/find-assistance/)","content_html":"\u003cp\u003eTo get ACA Marketplace coverage starting in January 2027, you must enroll \u003cstrong\u003eby December 15, 2026\u003c/strong\u003e. This deadline applies to HealthCare.gov users. Prepare your income and immigration status information before applying.\u003c/p\u003e\n\u003cp\u003eThe enrollment schedule is based on the Iowa Insurance Division's November 6, 2026 notice.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-apply-for-aca-health-insurance\" class=\"anchor\" id=\"how-to-apply-for-aca-health-insurance\"\u003e\u003c/a\u003eHow to Apply for ACA Health Insurance\u003c/h2\u003e\n\u003cp\u003eCheck your eligibility and apply through your state's official Marketplace. The ACA Marketplace is where you enroll in individual health insurance. Eligibility for premium assistance is also reviewed during the application process.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck where to apply in your state. Create an account or log in to your existing account at HealthCare.gov. If your state runs its own Marketplace, use that state's platform.\u003c/li\u003e\n\u003cli\u003ePrepare information about your household members and income. Also prepare immigration status documents for those enrolling.\u003c/li\u003e\n\u003cli\u003eComplete an application for 2027 coverage. After submitting it, check your eligibility results and any requests for additional documents.\u003c/li\u003e\n\u003cli\u003eCompare insurance plans. Complete your selection by the deadline for your desired coverage start date.\u003c/li\u003e\n\u003cli\u003ePay your first premium by the insurer's deadline. Then check your account and with your insurer to confirm that coverage has started.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eYou can start an online application through the \u003ca href=\"https://www.healthcare.gov/apply-and-enroll/how-to-apply/\"\u003eHealthCare.gov application guide\u003c/a\u003e. If you cannot access your existing account, reset your password. HealthCare.gov advises against creating a new account in this situation.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#enrollment-deadlines-by-coverage-start-date\" class=\"anchor\" id=\"enrollment-deadlines-by-coverage-start-date\"\u003e\u003c/a\u003eEnrollment Deadlines by Coverage Start Date\u003c/h2\u003e\n\u003cp\u003eHealthCare.gov's open enrollment period ends on January 15, 2027 (U.S.). The deadline for coverage starting in January is earlier. The dates below have not been converted to Korean dates.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eWhen you complete your plan selection\u003c/th\u003e\n\u003cth\u003eCoverage start date\u003c/th\u003e\n\u003cth\u003eAdditional requirement\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"When you complete your plan selection\"\u003eNovember 1 to December 15, 2026\u003c/td\u003e\n\u003ctd data-label=\"Coverage start date\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003ctd data-label=\"Additional requirement\"\u003ePay the first premium according to the insurer's instructions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"When you complete your plan selection\"\u003eDecember 16, 2026 to January 15, 2027\u003c/td\u003e\n\u003ctd data-label=\"Coverage start date\"\u003eFebruary 1, 2027\u003c/td\u003e\n\u003ctd data-label=\"Additional requirement\"\u003ePay the first premium according to the insurer's instructions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"When you complete your plan selection\"\u003eAfter January 15, 2027\u003c/td\u003e\n\u003ctd data-label=\"Coverage start date\"\u003eCheck based on the qualifying reason for special enrollment\u003c/td\u003e\n\u003ctd data-label=\"Additional requirement\"\u003eConfirm special enrollment eligibility and the applicable schedule\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eHealthCare.gov's “When can you get health insurance?” states:\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eDecember 15: Last day to enroll in or change plans for coverage to start January 1.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eCreating an account does not complete your plan selection. After submitting your application, confirm that you have also completed your plan selection. You must separately meet the first premium payment requirement. \u003ca href=\"https://www.healthcare.gov/quick-guide/dates-and-deadlines/\"\u003eHealthCare.gov enrollment schedule\u003c/a\u003e\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#if-you-need-january-coverage\" class=\"anchor\" id=\"if-you-need-january-coverage\"\u003e\u003c/a\u003eIf You Need January Coverage\u003c/h3\u003e\n\u003cp\u003eIf you want your new insurance to cover medical care in January, follow the deadline for a January start. If you select a plan through the federal platform on December 16, coverage starts on February 1. That selection alone does not give you January coverage.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-enrollment-schedules-in-new-york-and-california\" class=\"anchor\" id=\"comparing-enrollment-schedules-in-new-york-and-california\"\u003e\u003c/a\u003eComparing Enrollment Schedules in New York and California\u003c/h2\u003e\n\u003cp\u003eFor New York and California, check their own Marketplace schedules. Both states have different open enrollment end dates from the federal platform. Do not assume their deadlines for January coverage are the same, either.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eApplication platform\u003c/th\u003e\n\u003cth\u003eOpen enrollment period for 2027 coverage\u003c/th\u003e\n\u003cth\u003eDeadline for coverage starting January 1, 2027\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Application platform\"\u003eHealthCare.gov\u003c/td\u003e\n\u003ctd data-label=\"Open enrollment period for 2027 coverage\"\u003eNovember 1, 2026 to January 15, 2027\u003c/td\u003e\n\u003ctd data-label=\"Deadline for coverage starting January 1, 2027\"\u003eDecember 15, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Application platform\"\u003eNew York NY State of Health\u003c/td\u003e\n\u003ctd data-label=\"Open enrollment period for 2027 coverage\"\u003eNovember 1, 2026 to January 31, 2027\u003c/td\u003e\n\u003ctd data-label=\"Deadline for coverage starting January 1, 2027\"\u003eGuidance says to enroll by December 15, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Application platform\"\u003eCalifornia Covered California\u003c/td\u003e\n\u003ctd data-label=\"Open enrollment period for 2027 coverage\"\u003eNovember 1, 2026 to January 31, 2027\u003c/td\u003e\n\u003ctd data-label=\"Deadline for coverage starting January 1, 2027\"\u003eDecember 31, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe New York schedule is stated in the New York City Health Department's 2027 enrollment guide. If you enroll in January in California, coverage starts on February 1. For other states, check the state's official Marketplace. \u003ca href=\"https://home4.nyc.gov/site/doh/health/health-topics/health-insurance.page\"\u003eNew York City Health Department guidance\u003c/a\u003e, \u003ca href=\"https://www.coveredca.com/enrollment/open-enrollment\"\u003eCovered California enrollment schedule\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#who-can-enroll-and-conditions-by-immigration-status\" class=\"anchor\" id=\"who-can-enroll-and-conditions-by-immigration-status\"\u003e\u003c/a\u003eWho Can Enroll and Conditions by Immigration Status\u003c/h2\u003e\n\u003cp\u003eFirst, check the U.S. residency and citizenship or immigration status requirements. People who are incarcerated are generally excluded from enrollment. If you have Medicare coverage, you cannot enroll in Marketplace health insurance. \u003ca href=\"https://www.healthcare.gov/quick-guide/eligibility/\"\u003eHealthCare.gov basic eligibility requirements\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eFor 2027, check insurance enrollment eligibility and financial assistance eligibility separately. Even for people who are lawfully present, these are not the same. HealthCare.gov explains the assistance restrictions starting in 2027.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eStatus or situation\u003c/th\u003e\n\u003cth\u003eWhat to check for Marketplace enrollment\u003c/th\u003e\n\u003cth\u003eWhat to check for 2027 financial assistance\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eU.S. citizen or U.S. national\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eBasic enrollment requirements, including residency\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eSeparate review of income, eligibility for other insurance, and other factors\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eLawful permanent resident LPR\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eCan enroll if basic requirements are met\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eIncluded among immigration statuses eligible for assistance review\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eCuban or Haitian entrant\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eConfirm the relevant immigration status and basic requirements\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eIncluded among immigration statuses eligible for assistance review\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eCompact of Free Association COFA migrant\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eConfirm the relevant immigration status and basic requirements\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eIncluded among immigration statuses eligible for assistance review\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eRefugees, people granted asylum, certain nonimmigrant visa holders, and others\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eMay enroll depending on immigration status\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eThat status alone does not qualify them for 2027 assistance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Status or situation\"\u003eDACA recipient\u003c/td\u003e\n\u003ctd data-label=\"What to check for Marketplace enrollment\"\u003eListed as ineligible for Marketplace enrollment\u003c/td\u003e\n\u003ctd data-label=\"What to check for 2027 financial assistance\"\u003eNot eligible for that Marketplace assistance\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eCuban or Haitian entrant is a specific classification under immigration law. Do not assume that Cuban or Haitian nationality alone places someone in this category. An immigration status eligible for assistance review does not guarantee subsidy approval. \u003ca href=\"https://www.healthcare.gov/immigrants/immigration-status/\"\u003eHealthCare.gov immigration status guidance\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#information-to-prepare-before-applying\" class=\"anchor\" id=\"information-to-prepare-before-applying\"\u003e\u003c/a\u003eInformation to Prepare Before Applying\u003c/h2\u003e\n\u003cp\u003eThe application requires information about your entire household, not just those enrolling. A household is generally based on the tax filer, their spouse, and their tax dependents. You may also be asked for information about household members who are not enrolling in insurance.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to prepare\u003c/th\u003e\n\u003cth\u003eDetails to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eBasic personal information\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eNames, dates of birth, family relationships\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eResidence and contact information\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eHome address, mailing address, ZIP code\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eIdentity and immigration status information\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eSSN information, immigration documents for applicable applicants\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eTax filing information\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eWhether spouses file jointly or separately, dependents\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eIncome records\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eRecent pay stubs, business income and expenses, other income\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eEstimated annual income\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eExpected household income for 2027, the coverage year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to prepare\"\u003eCurrent insurance information\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eInformation about existing insurance and employer-provided insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eLast year's tax return can help you estimate income. However, assistance eligibility is based on expected income for the coverage year. Account for any expected job changes or changes in work hours. \u003ca href=\"https://www.healthcare.gov/downloads/apply-for-or-renew-coverage.pdf\"\u003eApplication checklist\u003c/a\u003e, \u003ca href=\"https://www.healthcare.gov/income-and-household-information/income/\"\u003eIncome calculation guidance\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#what-to-compare-before-automatic-renewal\" class=\"anchor\" id=\"what-to-compare-before-automatic-renewal\"\u003e\u003c/a\u003eWhat to Compare Before Automatic Renewal\u003c/h2\u003e\n\u003cp\u003eReview the details of your 2027 plan rather than waiting for automatic renewal. Premiums and provider networks can change each year. You also need to recheck the list of covered prescription drugs.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to compare\u003c/th\u003e\n\u003cth\u003eDetails to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003eMonthly premium\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eActual amount you pay after the tax credit\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003eDeductible\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eAnnual amount you pay first for certain covered services\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003eCosts when receiving care\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eFixed copayments and coinsurance paid as a percentage of costs\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003eOut-of-pocket maximum\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eThe plan's annual limit and what it applies to\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003eProvider network\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eWhether the doctors, hospitals, and laboratories you will use are under contract\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to compare\"\u003ePrescription drug list\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eWhether your medications are covered and the cost conditions\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe legal maximum out-of-pocket limit for 2027 is $12,000 for an individual. The maximum for family coverage is $24,000. Individual plans may have lower limits. \u003ca href=\"https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/\"\u003eHealthCare.gov out-of-pocket maximum\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eMonthly premiums do not count toward this limit. Neither do costs for noncovered care or out-of-network care. Therefore, do not treat this limit as a cap on all annual medical expenses.\u003c/p\u003e\n\u003cp\u003eIn Iowa, you also need to check Medica's withdrawal from the individual insurance market. The withdrawal takes effect on January 1, 2027. Affected enrollees must choose a new insurer during open enrollment. \u003ca href=\"https://iid.iowa.gov/press-release/2026-11-06/2027-aca-health-insurance-open-enrollment-begins-iowa-insurance-division-urges-residents-review\"\u003eIowa Insurance Division 2027 enrollment notice\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eYou can search for providers and prescription drugs on the plan comparison screen. Also review the summary of benefits and the insurer's provider directory. Base your assessment of your premium on the quote shown in the official comparison tool. \u003ca href=\"https://www.healthcare.gov/choose-a-plan/comparing-plans/\"\u003eHealthCare.gov plan comparison guide\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#income-changes-and-tax-credit-reconciliation\" class=\"anchor\" id=\"income-changes-and-tax-credit-reconciliation\"\u003e\u003c/a\u003eIncome Changes and Tax Credit Reconciliation\u003c/h2\u003e\n\u003cp\u003eAdvance payments of the premium tax credit are not your final assistance amount. APTC pays your estimated tax credit to your insurer in advance. This reduces the monthly premium you pay by that amount.\u003c/p\u003e\n\u003cp\u003eThe estimate is calculated using household income, family composition, and other factors. Eligibility for other coverage, such as employer-sponsored insurance, also affects it. Once your actual annual income is determined, the amounts are reconciled on your tax return. \u003ca href=\"https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit\"\u003eIRS premium tax credit questions and answers\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eAccording to the IRS, you must repay the full amount of excess advance payments starting with the 2026 tax year. The previous caps on repayment of excess amounts no longer apply. Enter income estimates carefully when applying for 2027 coverage as well. \u003ca href=\"https://www.irs.gov/tax-professionals/eitc-central/repayment-caps-eliminated-for-excess-advance-payments-of-the-premium-tax-credit\"\u003eIRS guidance on repaying excess advance payments\u003c/a\u003e\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eEnter your expected household income for the coverage year. For self-employment income, use expected net income after expenses.\u003c/li\u003e\n\u003cli\u003eUpdate your application information if your income or family composition changes. Also report changes in eligibility for employer-sponsored insurance.\u003c/li\u003e\n\u003cli\u003eIf you used advance payments, reconcile them when filing your tax return. IRS Form 8962 compares advance payments with your actual tax credit.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf your income is irregular, make a reasonable estimate using current information. You can update it whenever changes occur. You can choose to receive all or part of your estimated tax credit in advance.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#paying-the-first-premium-and-confirming-coverage\" class=\"anchor\" id=\"paying-the-first-premium-and-confirming-coverage\"\u003e\u003c/a\u003ePaying the First Premium and Confirming Coverage\u003c/h2\u003e\n\u003cp\u003eYou pay the first premium to the insurer, not the Marketplace. Follow the insurer's instructions for payment methods and deadlines. Coverage does not start before you pay the first premium.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen your application details in your HealthCare.gov account. If online payment is supported, select the option to pay your first premium.\u003c/li\u003e\n\u003cli\u003eComplete payment on the linked insurer page. If there are no instructions or you are unsure whether payment went through, contact the insurer.\u003c/li\u003e\n\u003cli\u003eCheck your coverage information under My Plans \u0026amp; Programs in your account. If the start date or payment processing is unclear, check with the insurer.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eCheck the plan selection deadline and premium payment deadline separately. After the first payment, you must continue paying monthly premiums on time. HealthCare.gov warns that coverage may end if you do not pay. \u003ca href=\"https://www.healthcare.gov/apply-and-enroll/complete-your-enrollment/\"\u003eGuide to completing enrollment and paying the first premium\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-enrollment-mistakes\" class=\"anchor\" id=\"common-enrollment-mistakes\"\u003e\u003c/a\u003eCommon Enrollment Mistakes\u003c/h2\u003e\n\u003cp\u003eDo not treat completing enrollment and starting coverage as the same step. You also need to distinguish state schedules and assistance conditions by immigration status. Check the following against your application results.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon misunderstanding\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eApplying on the last day of open enrollment gives you coverage starting in January\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eLate enrollment through the federal platform starts coverage on February 1\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eSubmitting the application completes enrollment\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether you selected a plan and paid the first premium\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eYou can simply enter last year's income\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eExpected household income for 2027\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eAnyone lawfully present can receive financial assistance\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eImmigration statuses eligible for 2027 assistance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eAutomatic renewal means the same hospitals and medications stay covered\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eThe new plan's network and prescription drug list\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eYou also apply for Medicare through HealthCare.gov\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eMedicare's separate enrollment platform\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf you are asked for additional documents, check the submission deadline in the notice. The Marketplace may request supporting documents to verify your application information. The types of documents depend on the reason for the request. \u003ca href=\"https://www.healthcare.gov/verify-information/documents-and-deadlines/\"\u003eHealthCare.gov supporting documents and deadlines\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#enrollment-after-the-deadline-and-official-help\" class=\"anchor\" id=\"enrollment-after-the-deadline-and-official-help\"\u003e\u003c/a\u003eEnrollment After the Deadline and Official Help\u003c/h2\u003e\n\u003cp\u003eOnce open enrollment ends, check whether you qualify for a Special Enrollment Period. Marriage, childbirth, loss of insurance, or moving may be qualifying reasons. Qualification is not automatic because you must meet the conditions for each reason.\u003c/p\u003e\n\u003cp\u003eThe Iowa notice also announces the end of year-round special enrollment for people with low incomes. This applies to the program for households with incomes at most 150% of the federal poverty level. In 2027, do not expect to enroll at any time solely because of low income.\u003c/p\u003e\n\u003cp\u003eYou can apply for Medicaid and CHIP outside the open enrollment period. Each program conducts its own eligibility review. If you have Medicare, do not confuse it with applying for ACA coverage. \u003ca href=\"https://www.healthcare.gov/quick-guide/dates-and-deadlines/\"\u003eHealthCare.gov enrollment period guidance\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eInquiry\u003c/th\u003e\n\u003cth\u003eOfficial contact\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Inquiry\"\u003eFederal Marketplace application and eligibility assistance\u003c/td\u003e\n\u003ctd data-label=\"Official contact\"\u003eHealthCare.gov, 1-800-318-2596\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Inquiry\"\u003eTTY for people with hearing or speech disabilities\u003c/td\u003e\n\u003ctd data-label=\"Official contact\"\u003e1-855-889-4325\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Inquiry\"\u003eFind local enrollment assistance\u003c/td\u003e\n\u003ctd data-label=\"Official contact\"\u003eFind local help on HealthCare.gov\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Inquiry\"\u003eConfirm first premium payment and coverage activation\u003c/td\u003e\n\u003ctd data-label=\"Official contact\"\u003eYour selected insurer's customer service\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Inquiry\"\u003eMedicare assistance\u003c/td\u003e\n\u003ctd data-label=\"Official contact\"\u003eMedicare, 1-800-633-4227\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe federal call center operates 24 hours a day, every day except holidays. Application assistance is also available in other languages. For local assistance, find a Marketplace-certified assister. \u003ca href=\"https://www.healthcare.gov/contact-us/\"\u003eHealthCare.gov contact information\u003c/a\u003e, \u003ca href=\"https://www.healthcare.gov/find-assistance/\"\u003eOfficial enrollment assistance guide\u003c/a\u003e\u003c/p\u003e\n","tags":["Health insurance","Tax filing","Marketplace","health insurance premium","Tax credit"],"faqs":[{"question":"When is the deadline for 2027 open enrollment on HealthCare.gov?","answer":"January 15, 2027. If you want coverage starting January 1, 2027, enroll by December 15, 2026."},{"question":"If I enroll on December 16, 2026, when does my coverage start?","answer":"For HealthCare.gov, it starts on February 1, 2027. You must also meet the insurer's requirements for paying the first premium."},{"question":"Is enrollment complete once I create an account and submit an application?","answer":"You need to confirm that you have selected a plan and paid the first premium. If additional documentation is requested, submit it according to the notice."},{"question":"Is January 15 also the deadline in New York and California?","answer":"The 2027 open enrollment period ends on January 31 in both states. The deadlines for January coverage are December 15 in New York and December 31 in California."},{"question":"Do I pay the first premium to HealthCare.gov?","answer":"You pay premiums directly to the insurer you selected. Check the insurer's instructions for payment methods and deadlines as well."},{"question":"Which year's income do I enter for 2027 premium assistance?","answer":"Enter your estimated household income for 2027, the year you will have coverage. Use last year's income as a reference. If your income changes during the year, you must update your application information."},{"question":"If I am self-employed, do I enter all my revenue as income?","answer":"HealthCare.gov instructs you to report estimated net income after subtracting business expenses. Include other household income according to the application requirements as well."},{"question":"In 2027, can only permanent residents receive premium assistance?","answer":"Among noncitizens, certain people with Cuban or Haitian entrant status are included in addition to those with LPR status. COFA migrants also have a status that allows them to be considered for assistance. Other requirements, such as income requirements, must be met separately."},{"question":"Can anyone who is lawfully present both enroll in the Marketplace and receive assistance?","answer":"Eligibility to enroll and eligibility for financial assistance are separate. People with some immigration statuses can still enroll in 2027 but cannot receive assistance. Check the official determination on your application based on your current immigration status."},{"question":"What happens if I receive more in advance tax credits than expected?","answer":"The advance payments are reconciled against your actual tax credit when you file your taxes. Starting with the 2026 tax year, the repayment cap on excess advance payments has been removed. The entire excess amount is subject to repayment."},{"question":"Do I need to check hospitals and prescription drugs even if I use automatic renewal?","answer":"Check the provider network and prescription drug list for the new coverage year. You should also review your existing enrollment information and premium assistance amount."},{"question":"Are monthly premiums included in the out-of-pocket maximum?","answer":"Monthly premiums are not included. Costs for noncovered care and out-of-network care are not included either. The maximum applies within the scope specified by the plan."},{"question":"Is there any way to apply if I miss the open enrollment deadline?","answer":"You may qualify for special enrollment due to circumstances such as losing insurance coverage or getting married. Check the qualifying events and documentation requirements. You can apply for Medicaid and CHIP year-round."},{"question":"Do Medicare enrollees also use the ACA Marketplace?","answer":"If you have Medicare coverage, you cannot enroll in a Marketplace health insurance plan. For help with Medicare, call 1-800-633-4227."}],"sources":[{"url":"https://iid.iowa.gov/press-release/2026-11-06/2027-aca-health-insurance-open-enrollment-begins-iowa-insurance-division-urges-residents-review","title":"Iowa Insurance Division: 2027 ACA Health Insurance Open Enrollment Begins, November 6, 2026","type":"source"},{"url":"https://www.healthcare.gov/quick-guide/dates-and-deadlines/","title":"HealthCare.gov: When can you get health insurance?","type":"source"},{"url":"https://www.healthcare.gov/quick-guide/eligibility/","title":"HealthCare.gov: Are you eligible to use the Marketplace?","type":"source"},{"url":"https://www.healthcare.gov/immigrants/immigration-status/","title":"HealthCare.gov: Immigration status to qualify for the Marketplace","type":"source"},{"url":"https://www.healthcare.gov/apply-and-enroll/how-to-apply/","title":"HealthCare.gov: Ways to apply for health insurance","type":"source"},{"url":"https://www.healthcare.gov/downloads/apply-for-or-renew-coverage.pdf","title":"HealthCare.gov: My Marketplace Application Checklist","type":"source"},{"url":"https://home4.nyc.gov/site/doh/health/health-topics/health-insurance.page","title":"NYC Health: NY State of Health 2027 Open Enrollment Period","type":"source"},{"url":"https://www.coveredca.com/enrollment/open-enrollment","title":"Covered California: Open Enrollment","type":"source"},{"url":"https://www.healthcare.gov/income-and-household-information/income/","title":"HealthCare.gov: What to include as income","type":"source"},{"url":"https://www.healthcare.gov/choose-a-plan/comparing-plans/","title":"HealthCare.gov: 3 things to know before you pick a health insurance plan","type":"source"},{"url":"https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/","title":"HealthCare.gov: Out-of-pocket maximum/limit","type":"data_point"},{"url":"https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit","title":"IRS: Questions and answers on the Premium Tax Credit","type":"source"},{"url":"https://www.irs.gov/tax-professionals/eitc-central/repayment-caps-eliminated-for-excess-advance-payments-of-the-premium-tax-credit","title":"IRS: Repayment caps eliminated for excess advance payments of the Premium Tax Credit","type":"source"},{"url":"https://www.healthcare.gov/apply-and-enroll/complete-your-enrollment/","title":"HealthCare.gov: Complete your enrollment \u0026 pay your first premium","type":"source"},{"url":"https://www.healthcare.gov/verify-information/documents-and-deadlines/","title":"HealthCare.gov: Documents and deadlines to confirm application information","type":"source"},{"url":"https://www.healthcare.gov/contact-us/","title":"HealthCare.gov: Contact us","type":"source"},{"url":"https://www.healthcare.gov/find-assistance/","title":"HealthCare.gov: Get help applying \u0026 more","type":"source"},{"url":"https://www.healthcare.gov/create-account","title":"HealthCare.gov: Create an account","type":"source"},{"url":"https://www.healthcare.gov/see-plans/","title":"HealthCare.gov: Health insurance plans \u0026 prices","type":"source"}],"images":[{"id":2907,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NDQxODcsInB1ciI6ImJsb2JfaWQifX0=--dc5a068441836e744f75bd4bf24b2c19796c8e71/ai-cae43ff6.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"자주색 플리스를 입은 남성이 창가 식탁에서 태블릿에 표시된 세 가지 선택지 중 하나를 누르고 있다.","caption":"건강보험 플랜을 비교하고 가입 마감일 안에 선택하세요.","description":null},"en":{"alt":"A man in a plum fleece taps one of three options on a tablet at a table beside a window.","caption":"Compare health insurance plans and select one before your enrollment deadline.","description":null},"ja":{"alt":"紫色のフリースを着た男性が窓際のテーブルで、タブレットに並ぶ3つの選択肢の1つをタップしている。","caption":"健康保険プランを比較し、加入期限までに選びましょう。","description":null},"es":{"alt":"Un hombre con un forro polar morado toca una de tres opciones en una tableta junto a una ventana.","caption":"Compare los planes de seguro médico y elija uno antes de la fecha límite de inscripción.","description":null},"id":{"alt":"Pria berbaju fleece ungu mengetuk satu dari tiga pilihan pada tablet di meja dekat jendela.","caption":"Bandingkan paket asuransi kesehatan dan pilih salah satunya sebelum batas waktu pendaftaran.","description":null},"pt":{"alt":"Um homem de blusa de fleece roxa toca uma de três opções em um tablet à mesa junto à janela.","caption":"Compare os planos de saúde e escolha um antes do prazo de inscrição.","description":null},"zh-hant":{"alt":"一名穿著紫色刷毛上衣的男子坐在窗邊餐桌前，點選平板電腦上三個選項中的其中一個。","caption":"比較健康保險方案，並在投保截止日前完成選擇。","description":null},"de":{"alt":"Ein Mann im lila Fleecepullover tippt am Tisch neben dem Fenster auf eine von drei Optionen auf einem Tablet.","caption":"Vergleichen Sie die Krankenversicherungstarife und wählen Sie einen vor Ablauf der Anmeldefrist.","description":null}}},{"id":2908,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NDQxOTMsInB1ciI6ImJsb2JfaWQifX0=--527aeeee987e4d058efcf1cdd6ba8113f6a09c5c/ai-e1fa9512.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"청록색 카디건을 입은 중년 여성이 소파에서 통화하고 있고, 앞 탁자에는 태블릿이 놓여 있다.","caption":"보험사에 첫 보험료를 납부한 뒤 보장 개시일을 확인하세요.","description":null},"en":{"alt":"A middle-aged woman in a teal cardigan talks on the phone on a sofa, with a tablet on the table.","caption":"After paying your first premium to the insurer, confirm when your coverage starts.","description":null},"ja":{"alt":"青緑色のカーディガンを着た中年女性がソファで電話をし、手前のテーブルにはタブレットが置かれている。","caption":"保険会社に初回の保険料を支払った後、保障開始日を確認しましょう。","description":null},"es":{"alt":"Una mujer de mediana edad con cárdigan verde azulado habla por teléfono en un sofá, con una tableta en la mesa.","caption":"Tras pagar la primera prima a la aseguradora, confirma cuándo comienza tu cobertura.","description":null},"id":{"alt":"Perempuan paruh baya berkardigan hijau kebiruan menelepon di sofa, dengan tablet di meja.","caption":"Setelah membayar premi pertama kepada perusahaan asuransi, pastikan tanggal mulai perlindungan.","description":null},"pt":{"alt":"Uma mulher de meia-idade com cardigã verde-azulado fala ao telefone no sofá, com um tablet na mesa.","caption":"Após pagar a primeira mensalidade à seguradora, confirme quando começa a cobertura.","description":null},"zh-hant":{"alt":"一名穿著藍綠色針織外套的中年女子坐在沙發上講電話，前方桌上放著平板電腦。","caption":"向保險公司繳付首期保費後，請確認保障生效日期。","description":null},"de":{"alt":"Eine Frau mittleren Alters in einer petrolfarbenen Strickjacke telefoniert auf dem Sofa; ein Tablet liegt auf dem Tisch.","caption":"Bestätigen Sie nach Zahlung des ersten Beitrags an den Versicherer den Beginn Ihres Versicherungsschutzes.","description":null}}}],"published_at":"2026-11-15T07:46:31+09:00","updated_at":"2026-11-15T07:46:31+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/aca-marketplace-2027-enrollment-deadlines-and-application"}