2027 Health Insurance Marketplace Open Enrollment Guide
Open enrollment platforms, dates, and key changes vary by state. Use this guide to find your state's marketplace, deadlines, and what to prepare before November 1 — especially if you're in Oregon or Washington, where carrier exits make manual plan review essential.
Select Your State
Enrollment platforms and deadlines differ by state. Choose your state to see specific details.
Oregon — 2027 Marketplace Details
Explore Health (ExploreHealthOR.gov)
November 1, 2026
January 15, 2027
January 1, 2027 (if enrolled by Dec 15); February 1, 2027 (if enrolled by Jan 15)
Federal premium tax credits & state cost-sharing reductions via Explore Health
Oregon transitions from HealthCare.gov to its own state-based marketplace platform under Senate Bill 972. Providence and PacificSource exited the individual market. Moda reduced county-level offerings.
Oregon: Explore Health Launches November 1
Oregon transitions from the federal HealthCare.gov platform to its own state-based marketplace, Explore Health (ExploreHealthOR.gov), under Senate Bill 972. Open enrollment runs November 1, 2026 through January 15, 2027.
Critical for Oregon enrollees: Providence Health Plan and PacificSource exited the individual ACA market. Moda is exiting the small-group ACA market effective March 1, 2027. If your plan is auto-renewed, verify your doctors remain in-network.
Washington: Healthplanfinder & 22% Rate Increases
Washington residents use Washington Healthplanfinder (wahealthplanfinder.org). Open enrollment runs November 1, 2026 through January 15, 2027. Thirteen carriers requested an average 22.4% rate increase for 2027 individual plans.
Key change: PacificSource exited Washington's individual marketplace. If you were enrolled with PacificSource, you will need to select a new carrier during open enrollment.
California: Covered California Extended Window
California's state-based marketplace, Covered California (coveredca.com), has the longest open enrollment window: November 1, 2026 through January 31, 2027. California offers state-funded cost-sharing reductions in addition to federal premium tax credits.
Michigan: HealthCare.gov & Subsidy Sunset Impact
Michigan remains on the federal HealthCare.gov platform. Open enrollment runs November 1, 2026 through January 15, 2027. The expiration of enhanced ACA premium tax credits at the end of 2025 caused significant premium increases for enrollees who previously received subsidies above 400% FPL.
Documents to Prepare Before November 1
Provider & Prescription Checklist
Before enrolling, verify these items — especially in 2027 when carrier network changes in Oregon and Washington may have removed your preferred providers.
Do Not Auto-Renew Without Checking Your Network
Auto-renewal maps you to a replacement plan if your carrier exited the market. In Oregon and Washington, multiple carriers left the individual and small-group markets for 2027. If you auto-renew, you may land in a plan where your doctors are out-of-network. Log in during open enrollment and manually review your plan, even if you intend to keep the same coverage level.
2027 Open Enrollment FAQs
Need Help With Marketplace Enrollment?
Get a no-obligation review of your 2027 marketplace options. We help Oregon, Washington, California, and Michigan residents compare plans, verify networks, and avoid costly enrollment mistakes.
Authoritative Sources
Last updated: August 2026. Enrollment dates and platform information verified against official state marketplace publications.