Open Enrollment 2027 · Next steps
You picked a plan. Now pay the first premium.
Choosing a plan isn’t the last step. Coverage starts only when the insurance company gets your first payment.
Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”
- Pay the insurer, not the Marketplace
- Dec 15 for Jan 1
- Check your ID card
Help me finish enrolling
Your info goes to Nexus only. Never sold. No pitch, no obligation.
How to pay
- Log in to your Marketplace account and choose your application.[1]
- Select “Pay Your First Health Insurance Monthly Premium,” then “Pay for Health Plan Now” to go to the insurer’s site.[1]
- No online payment? The insurer should contact you. If you don’t hear from them, call them.[1]
Confirm you’re covered
- In your Marketplace account, open “My Plans & Programs” to see your plan and start date.[1]
- Your plan sends a membership packet and an ID card. No card? Call the insurer to make sure coverage is active.[1]
- Look through the plan’s provider directory to find where you can get care.[1]
Keep it active
- Pay every month on time; if you don’t, the insurer could end your coverage.[1]
- If you use a premium tax credit and have paid at least one full month in the year, the grace period for late premiums is usually 3 months.[3] Without a tax credit it may differ; in Michigan, ask DIFS.[3]
- Asked for documents to confirm income or other details? Send them by the deadline. See document requests.[4]
Still choosing? Start with how to get a 2027 plan and the 2027 deadlines.
Sources
- HealthCare.gov, Complete your enrollment & pay your first premium. https://www.healthcare.gov/apply-and-enroll/complete-your-enrollment/
- HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- HealthCare.gov glossary, Grace period. https://www.healthcare.gov/glossary/grace-period/
- HealthCare.gov, When the Marketplace needs documents to confirm information from your application. https://www.healthcare.gov/verify-information/
Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.
Frequently asked questions
When does my Marketplace coverage start?
Not until you pay your first premium. For January 1, 2027 coverage, pick a plan by December 15, 2026 and pay the first premium.
Who do I pay, the Marketplace or the insurance company?
The insurance company. Premiums go directly to the insurer, not the Marketplace.
What happens if I miss a premium payment?
With a premium tax credit and at least one full month paid in the year, the grace period is usually 3 months. Pay all owed premiums during it to keep coverage.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.