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Open Enrollment 2027 Checklist

Open Enrollment 2027 Checklist

Your Open Enrollment 2027 Checklist.

Deadlines — circle yours: ACA Marketplace: enroll by December 15, 2026 for coverage starting January 1, 2027 (window ends January 15, 2027). Medicare: October 15 – December 7, 2026. Employer plan: check your HR dates (usually October–November).

Before you pick a plan: List your doctors — are they in-network for the new plan? List your prescriptions — are they covered, and at what tier? Add up last year's health spending — premiums + deductibles + copays. Compare TOTAL yearly cost: (monthly premium × 12) + expected care costs. Check the deductible: could you pay it from savings tomorrow? HDHP? Check your 2027 HSA room: $4,500 self-only / $9,000 family (+$1,000 at 55+). PPO? Check specialist rules — do you need referrals? Never auto-renew without checking: premiums, networks, and drug coverage change every year. Watch for subsidy cliffs: a small income change can change your ACA subsidy a lot. Save proof: screenshot or print your enrollment confirmation.

After you enroll: Confirm your new insurance cards arrive before January 1. Set a calendar reminder for next year's open enrollment.

Free from Smart Money Guide. General education only, not personal financial or insurance advice.

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