Status note: Dates and rules reflect published guidance as of September 2026. State-run marketplaces may have different deadlines.
The Affordable Care Act Marketplace is where people without job-based insurance buy health plans. For 2027 coverage, open enrollment begins November 1, 2026, and several changes affect immigrants.
Key dates
On HealthCare.gov, December 15 is the deadline for coverage starting January 1. Reported end dates differ, from December 15 to January 15, and state-run marketplaces set their own. Confirm on your marketplace’s site.
The big change for immigrants
Starting with 2027 coverage, premium tax credits for non-citizens are limited to lawful permanent residents, certain Cuban and Haitian entrants, and people from Compact of Free Association nations. Refugees, asylees, people with Temporary Protected Status and people on work or student visas can still buy plans but no longer qualify for the credit.
What to do
- Check whether your status still qualifies for help
- Compare full-price costs, including Bronze plans
- Look at employer coverage if you have access
- Students: compare your school plan
- Enroll before the deadline; late enrollment needs a qualifying event
