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

<img src='https://npr.brightspotcdn.com/dims3/default/strip/false/crop/4032x2688+0+0/resize/4032x2688!/quality/85/format/webp/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa6%2F84%2Fcb5510334ff68e4dd5948bf3f79b%2Fap25286814762473.jpg' alt='Christine Meehan, a hair stylist in Upper Chichester, Pa., has purchased health insurance through 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)