- ACA plans accept everyone during open enrollment, regardless of health history.
- On HealthCare.gov, 2027 open enrollment runs Nov 1, 2026 to Jan 15, 2027. Choose a plan by Dec 15 for a Jan 1 start.
- Income-based premium tax credits may lower the monthly cost for eligible households.
- Metal tiers (Bronze, Silver, Gold, Platinum) trade lower premiums for higher out-of-pocket costs.
What the ACA marketplace is
The Health Insurance Marketplace, HealthCare.gov in Florida and most of our licensed states, is where individuals and families can buy plans that meet Affordable Care Act standards. These plans are guaranteed issue: you can't be turned down or charged more because of your health history, and they include essential health benefits such as hospitalization, prescriptions, maternity and preventive care.
Metal tiers at a glance
| Tier | Monthly premium | Costs when you get care | Often a fit for |
|---|---|---|---|
| Bronze | Lowest | Highest | Protection against a big medical bill |
| Silver | Moderate | Moderate; extra savings for some incomes | Households eligible for cost-sharing reductions |
| Gold | Higher | Lower | Regular doctor visits and prescriptions |
| Platinum | Highest | Lowest | Heavy, predictable use of care (not offered everywhere) |
Open enrollment for 2027
On HealthCare.gov, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Choose a plan by December 15, 2026 for coverage that starts January 1, 2027; plans chosen December 16 to January 15 generally start February 1, 2027. Coverage begins only once the first premium is paid by the carrier's deadline. States that run their own marketplace may set different dates. Outside open enrollment, you generally need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, which typically opens a 60-day special enrollment period.
Tax credits and who benefits most
Premium tax credits are based on household income and size and can lower the monthly premium for eligible households. People with health conditions, households that qualify for meaningful credits, and anyone who needs guaranteed maternity coverage often find the marketplace the strongest option.
How marketplace plans compare with alternatives
For healthy applicants whose income is too high for tax credits, a medically underwritten private plan may cost less. For employees with access to a group plan, the employer's contribution often makes the workplace plan the better value. We put these options side by side so you can see the difference in dollars and in coverage.
Stratton Advisory Group is not HealthCare.gov or a government agency. Ask us how we can help with your marketplace questions and your comparison in your state.
General information only, not tax, legal or medical advice. Plan availability, benefits, networks and pricing vary by carrier, state, county and eligibility. COBRA information is general; see the U.S. Department of Labor for full rules.