The 2027 enrollment period for the Affordable Care Act (ACA) marketplace opened in most states last weekend. Premiums for mid-tier silver plans are up 13% on average, and some immigrants are losing eligibility for tax credits. New York's enrollment deadline is Sunday, Jan. 31, 2027.
According to ABC7 New York, open enrollment for 2027 coverage purchased through the Affordable Care Act (ACA) marketplace began in most states last weekend. The enrollment period generally runs from Sunday, Nov. 1, 2026, to Friday, Jan. 15, 2027. The enhanced premium tax credits that were in place this year have expired, and further changes are expected next year.
An analysis released on Friday, the 30th of last month, by KFF, the nonprofit Kaiser Family Foundation, found that the finalized benchmark premium for mid-tier silver plans will rise 13% on average next year. That is a double-digit increase for the second year in a row, and the cumulative average increase from 2025 to 2027 is 42%. KFF said most enrollees receive subsidies that lower their premiums, but people with incomes above 400% of the federal poverty level do not qualify.
Data released in June by the U.S. Department of Health and Human Services showed that ACA enrollment in January and February 2026 was 19.2 million, about 3 million fewer than at the same time a year earlier. According to KFF, as of Wednesday, the 28th of last month, about 11 insurers had said they would stop selling coverage in at least one state in 2027. Cigna is pulling out of all 11 states where it sells ACA plans, affecting more than 350,000 enrollees.
Under the Trump administration's reconciliation bill, signed in July 2025, some immigrants will no longer be able to receive ACA tax credits and cost-sharing assistance, and in 2027 they may have to pay full premiums. Only green card holders, certain Cuban and Haitian entrants, and lawfully present residents living in the U.S. under the Compacts of Free Association (COFA) remain eligible. The nonprofit National Immigration Law Center explained that refugees, asylum seekers, people who have applied for lawful status as victims of domestic violence, green card applicants and others lose their eligibility. KFF reported that the Congressional Budget Office (CBO) estimates this provision will increase the number of uninsured people by about 1 million by 2035.
For New York State residents, the enrollment deadline is Sunday, Jan. 31, 2027, two weeks longer than in most states. In neighboring Connecticut, the enrollment period began earlier, last month. The source report does not list a separate deadline for New Jersey, so New Jersey residents should check the dates directly with Get Covered NJ, the state's health insurance marketplace.