What to know about ACA open enrollment this year
Summary
The Affordable Care Act open enrollment for 2027 starts November 1 in most states with several new rules. These changes include higher insurance costs, extra identity checks for some buyers, and limits on subsidies for certain immigrants.Key Facts
- Open enrollment begins November 1, except in Idaho, Connecticut, and Massachusetts where it starts earlier.
- Overall enrollment is expected to drop because special extra subsidies ended at the end of 2025.
- Increased identity checks will apply to consumers using agents or brokers in the federal marketplace, which covers 29 states.
- People working with agents must get a code or link sent to them to authorize the agent to enroll or change coverage.
- "High-risk" consumers, such as those enrolling for the first time or changing states, must prove their identity using services like Experian.
- Plans costing $30 or less per month get special scrutiny because some agents might misuse them for profit.
- Consumers who fail identity checks may need to provide official ID documents or apply on their own through healthcare.gov.
- These new rules aim to reduce fraud but may slow down enrollment for some people.
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