T.D.C.I. ANNOUNCES 2027 HEALTH INSURANCE OPEN ENROLLMENT DATES
The Tennessee Department of Commerce & Insurance (TDCI) is reminding residents that the Open Enrollment period for purchasing or changing individual health coverage on the Federally Facilitated Marketplace (FFM) for 2027 begins on November 1, 2026, and runs through January 15, 2027.
State officials encourage consumers to review their options and plan early at Healthcare.gov to avoid missing critical deadlines, noting that outside of this window, enrollment is generally restricted to individuals who experience qualifying life events.
Key Dates for 2027 Coverage
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November 1, 2026: Open Enrollment begins; consumers can start enrolling, renewing, or changing plans.
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December 15, 2026: Deadline to enroll or change plans for coverage beginning January 1.
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January 15, 2027: Open Enrollment closes, marking the final day to sign up for Marketplace plans for the year (coverage begins February 1).
Shopping Tips and Resources
TDCI advises consumers to carefully research premiums, deductibles, copays, and provider networks before selecting a plan. Tennesseans can verify in-network status directly with their healthcare providers and utilize free educational tools at Healthcare.gov.
For free, unbiased enrollment assistance, residents can contact trained Navigators, consult a licensed insurance agent, or call the Marketplace at 1-800-318-2596. Specific questions regarding rate increases can also be directed to TDCI Consumer Insurance Services at (615) 741-2218.
