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Open Enrollment 2027 · Key dates

Michigan Open Enrollment 2027: the deadlines that matter

Two dates decide when your coverage starts. Miss both and you’ll need a qualifying life event to enroll until next fall.

Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”

  • Starts Nov 1, 2026
  • Dec 15 for Jan 1
  • Ends Jan 15, 2027

Beat the deadline

Your info goes to Nexus only. Never sold. No pitch, no obligation.

This is a request for help, not an application for coverage. Nexus Benefit Solutions is a private, independent agency and is not affiliated with HealthCare.gov, CMS, the State of Michigan or DIFS. Please don't include medical details in this form.

Short answerEnroll between November 1, 2026 and January 15, 2027. Pick a plan by December 15 for coverage starting January 1; picks from December 16 to January 15 start February 1.[1]
  • November 1, 2026Open Enrollment for 2027 starts.
  • December 15, 2026Enroll by this date for coverage starting January 1, 2027.
  • January 15, 2027Open Enrollment ends; plans picked Dec 16–Jan 15 start February 1.

Source: HealthCare.gov.[1]

Details people miss

  • Coverage starts January 1 only if you enroll by December 15 and pay your first premium.[1]
  • After January 15, you can enroll or change plans only with a Special Enrollment Period.[1] See who qualifies.
  • Open Enrollment is the yearly window to enroll in or change a Marketplace plan.[2]

A December checklist

  1. Compare your renewal with other 2027 plans; insurers requested increases averaging 14.2%.[3]
  2. Update 2027 income, since there’s no cap on repaying excess credit.[4]
  3. Check doctors and prescriptions in each network.
  4. Pick and pay by December 15.

Step by step: how to get a 2027 plan.

Sources

  1. HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
  2. HealthCare.gov glossary, Open Enrollment Period. https://www.healthcare.gov/glossary/open-enrollment-period/
  3. Michigan DIFS, 2027 Michigan Health Insurance Rate Change Requests, Individual Market (as filed, subject to DIFS approval), updated July 14, 2026. https://www.michigan.gov/difs/-/media/Project/Websites/difs/OIRF/EHB/PDFs/2027_Proposed_Rate_Changes.pdf
  4. 26 U.S.C. §36B and notes (Pub. L. 119-21 §71305, effective for tax years after Dec. 31, 2025), Cornell LII. https://www.law.cornell.edu/uscode/text/26/36B

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 is the deadline for January 1, 2027 coverage in Michigan?

December 15, 2026, and you must pay your first premium.

When does Open Enrollment end?

January 15, 2027. Plans picked December 16 to January 15 start February 1.

Can I enroll after January 15?

Only with a Special Enrollment Period, such as after losing other coverage. Medicaid has no enrollment window.

Will you sell my information?

No. Your information goes to Nexus Benefit Solutions only and is never sold.

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