California health insurance open enrollment 2027
California residents enroll in 2027 Marketplace coverage through Covered California starting November 1, 2026; sign up by December 31, 2026 for coverage from January 1. Use the official site — it is the only place to get premium tax credits.
Marketplace details
Sources: Covered California · CMS – State-based Exchanges. Checked October 28, 2026.
Go to Covered CaliforniaBefore you enroll
- See if you may qualify for Medicaid, CHIP or a premium tax credit using the HealthCare.gov screener or Covered California.
- Compare deductibles and out-of-pocket maximums, not just monthly premiums.
- Check that your doctors and prescriptions are covered by the plan.
- Already enrolled? Compare 2027 plans before you accept automatic renewal.
Questions & answers
Where do I buy ACA health insurance in California?
California runs its own marketplace, Covered California (https://www.coveredca.com/). Financial help such as premium tax credits is available only through the official marketplace.
When is open enrollment for 2027 in California?
Open enrollment runs November 1, 2026 to January 31, 2027; enroll by December 31, 2026 for coverage starting January 1, 2027. Confirm on Covered California before the deadline.
What if I miss open enrollment?
You can enroll later only with a Special Enrollment Period after a qualifying life event (such as losing other coverage, moving, marriage or a new baby). Medicaid and CHIP applications are accepted any time.