Open Enrollment 2027 Florida: Dates, Deadlines & What to Do Now

Florida has more ACA marketplace enrollees than any other state — over 4 million Floridians selected or were automatically re-enrolled in marketplace plans for the 2026 coverage year. With that scale comes significant impact from policy changes: the expiration of enhanced subsidies at the end of 2025 already shifted costs for many enrollees, and 2027 open enrollment brings a shorter window and new deadline rules that every Florida resident needs to understand before November.

This guide covers the exact dates for 2027 open enrollment, what changed from prior years, and a month-by-month preparation timeline you can start following today.

2027 Open Enrollment Dates for Florida

Florida uses the federally facilitated marketplace — all ACA shopping and enrollment happens through HealthCare.gov, not a state exchange. For the 2027 plan year, the open enrollment period (OEP) dates are:

What to Do Now: June–October 2026 Preparation Timeline

Open enrollment is still months away, but the decisions you make now — especially around income projection and plan review — directly determine how much you pay in 2027. The table below shows the recommended preparation steps and timing.

Step 1: Project Your 2027 Income (August)

Your premium tax credit is based on your projected household income for the coverage year — not what you earned last year. If your income has changed significantly since you last enrolled, or if you expect a change in 2027 (new job, reduction in hours, self-employment shift), update your estimate before open enrollment opens. Accurate income projection prevents both over-paying premiums and owing money back at tax time.

Use the subsidy calculator to estimate your 2027 premium tax credit based on household size and expected income.

Step 2: Check Your Doctors and Prescriptions (September–October)

Provider networks change every year. A physician who was in-network under your 2026 plan may not participate in 2027, even if you stay with the same carrier. Before open enrollment opens, contact your doctors' offices directly and ask whether they will be participating in the plan you currently have — for the 2027 plan year specifically.

Similarly, confirm your critical prescriptions remain on your plan's 2027 formulary. Carriers update formularies annually, and a drug that was Tier 2 in 2026 might move to Tier 3 or require prior authorization in 2027.

Step 3: Read Your Annual Notice of Change (October)

Every carrier is required to mail an Annual Notice of Change before open enrollment begins. This document details your 2027 premium, deductible, out-of-pocket maximum, and any changes to your network or formulary. Read it carefully — auto-renewal keeps you in the same plan, but the terms of that plan may have changed significantly.

The 2027 Subsidy Landscape: What Changed After 2025

The enhanced premium tax credits introduced by the American Rescue Plan Act (2021) and extended through the Inflation Reduction Act expired at the end of 2025. Congress did not extend them for 2026 or 2027. This has meaningful consequences for Florida marketplace enrollees:

• The 400% FPL income cap returned in 2026. Households with income above 400% of the federal poverty level (approximately $60,240 for a single individual, $81,760 for a family of two) no longer qualify for premium tax credits.
• Applicable percentages increased. For those still within subsidy range, the share of income you are expected to contribute toward premiums rose from the ARP-era maximum of 8.5% back toward the pre-ARP structure (up to 9.96% of income at the top of the eligible range).
• Auto-renewal amounts may have jumped in 2026. Enrollees who did not actively compare plans during 2026 open enrollment may have seen significant premium increases when the enhanced subsidies expired.

For a detailed look at how subsidy calculations work under current rules, see our guide to open enrollment in Florida. For plan comparisons by ZIP code, Florida Plan Finder provides a side-by-side view of available marketplace options.

Special Enrollment Periods: Enrolling Outside the Window

If you miss open enrollment or need coverage mid-year, a Special Enrollment Period (SEP) opens a 60-day window following a qualifying life event. SEPs allow you to enroll in or change a marketplace plan outside the standard November–December window.

Common qualifying life events that trigger an SEP

• Losing job-based health coverage — the most common trigger; 60 days from the date coverage ends
• Getting married — 60 days from the wedding date
• Divorce or legal separation — 60 days from the date of divorce decree
• Having, adopting, or placing a child for foster care — 60 days from the event date
• Moving to a new coverage area — changing your primary residence to a new ZIP code or county
• Losing Medicaid or CHIP eligibility — 60 days from the loss of coverage date
• Becoming a U.S. citizen or lawfully present immigrant

What the 60-day window means in practice

The SEP window is strict. If you lose employer coverage on July 1, you have until August 30 to enroll in a marketplace plan. Coverage typically starts the first of the month following enrollment, with some exceptions. Do not wait until late in the window — processing delays are possible, and a gap in coverage can leave you exposed to costs.

Choosing a Plan During 2027 Open Enrollment

The metal tier you select during open enrollment determines your monthly premium, deductible, and out-of-pocket maximum. Here is a quick reference for 2027:

If your MAGI falls below 250% of the federal poverty level, enrolling in a Silver plan makes you eligible for cost-sharing reductions (CSRs) — a federally funded benefit that lowers your deductible and copays. CSRs are only available on Silver plans. Enrolling in Bronze to save on premiums when you qualify for Silver CSRs is one of the most common and costly mistakes Florida marketplace shoppers make.