It's ACA open enrollment time. Here are the changes for health insurance shoppers

Pennie , the ACA marketplace for Pennsylvania. She's pictured here in October 2025. ACA open enrollment runs from Nov. 1 through Jan. 15 in most states.

'/> The ACA health insurance marketplaces — find yours at HealthCare. gov — open Nov. 1 for 2027 coverage. Getting an early start may be especially important this year. (Image credit: Tassanee Vejpongsa)