What is Open Enrollment?

Wondering about Open Enrollment in 2026-2027? Open enrollment refers to the time when you can sign up for health insurance. During this period, you cannot be denied coverage because of your health status or a pre-existing condition. Health insurance companies do not use medical underwriting to determine eligibility for ACA-compliant coverage.

California Open Enrollment Dates

Open Enrollment dates vary by state. In California, Covered California’s Open Enrollment Period for 2027 coverage runs from November 1, 2026, through January 31, 2027. 

Here are the key dates to remember: 

• November 1, 2026: Open Enrollment begins. 

• December 31, 2026: Enroll by this date for coverage that starts January 1, 2027. 

• January 31, 2027: Last day to enroll for coverage that starts February 1, 2027. 

You can use this time to compare health insurance options and choose coverage for 2027. For the latest enrollment dates and details, check Covered California.

Subsidies Available for Low-income Applicants

Low-income individuals and families who apply for insurance during the 2026–2027 Open Enrollment period may be eligible for financial help that lowers the cost of monthly premiums. California offers both federal premium tax credits and a state subsidy program for eligible consumers. 

For 2027, federal Advance Premium Tax Credits are generally available to eligible households with income between 100% and 400% of the Federal Poverty Level (FPL). California is also expanding its state premium subsidy program for eligible consumers with incomes up to 200% of the FPL. 

For 2027, 200% of the FPL is $31,920 for an individual and $66,000 for a family of four. The exact amount of financial help you may receive depends on factors such as your household income, family size, and the plan available in your area. 

To check your eligibility, use the Covered California Shop and Compare Tool or speak to a licensed insurance agent.

Penalty for No Health Insurance

While there is no longer a federal penalty for not having health insurance, California maintains its own individual mandate. 

If you do not have qualifying health coverage, you may be subject to a state tax penalty unless you qualify for an exemption. The amount depends on your household size and income. 

For the 2025 tax year, the California Franchise Tax Board lists a flat penalty of $950 per adult and $475 per dependent child, or 2.5% of household income above the applicable filing threshold, whichever calculation is higher. A family of four with two adults and two dependent children could face a flat penalty of $2,850 or more, depending on household income. 

For current details, visit the Franchise Tax Board’s health care mandate page.

Preparing for Open Enrollment 2026-2027

It’s easy to prepare for Open Enrollment in 2026. You just need to gather a few documents and some basic information before applying. 

You will need:

• Social Security numbers for every person who will be part of your plan, when required.
• Proof of income, such as recent tax returns or pay stubs.
• Dates of birth for everyone applying.
• Current health insurance details, if applicable. 

Finally, decide what type of coverage you need. If you are unsure, a licensed health insurance agent can help you compare plans and find an option that fits your needs and budget. 

For California residents, individual ACA marketplace plans are available through Covered California.

What Is a Special Enrollment Period?

If you miss the Open Enrollment period, you might qualify for a Special Enrollment period (SEP). 

You can enroll in health insurance outside the open enrollment period if you experience certain qualifying life events. Depending on the event, you may have a limited amount of time to enroll. 

Qualifying life events can include: 

• Losing job-based insurance.
• Moving to a new area.
• Getting married or divorced.
• Having or adopting a child.
• Losing eligibility for a parent’s plan or reaching the end of COBRA coverage. 

In many cases, you have 60 days from the qualifying event to enroll in a new plan through Covered California. The exact enrollment window can depend on the event. 

Applying for Health Insurance in California

Applying for health insurance can feel easier when you have help from a licensed insurance agent. Cost-U-Less can help Californians compare health insurance options, understand available coverage, and review plan costs based on their needs and household information. 

Going without health insurance can leave you responsible for medical bills if you get sick or injured. If you’re not sure which plan fits your situation, a licensed agent can help you compare your options and understand what to look for before you enroll. 

Ready to Get a Quick Quote? 

Open Enrollment is a good time to compare health insurance options and make sure your coverage still fits your needs and budget. Cost-U-Less can help you review available plans, understand premiums and out-of-pocket costs, and answer questions about your coverage options. 

Ready to get started? Choose health insurance, enter your ZIP code, and request a quote online. You can also call Cost-U-Less at (800) 390-4071 to speak with a licensed insurance agent.