Health insurance for 2027: choose before the deadline, not after.
If you buy your own health insurance, open enrollment is your yearly chance to change plans. Premiums, networks and the help you qualify for can all change, so a review is worth a short call even if you plan to keep what you have.
- Your doctors, checked against plan networksBefore you pick a plan, not after the first bill.
- Your household income, checked for premium helpTax credits on kynect plans depend on household income.
- Deductibles and out-of-pocket limits, side by sideWhat you would pay if you actually use the coverage.
Mike Webb, Owensboro born and raised, with more than 16 years in the insurance industry. Licensed in Kentucky, NPN 17036463.
Open enrollment for 2027 coverage
- November 1, 2026
Open enrollment begins
Shop and compare 2027 individual and family plans.
- December 15
The usual cutoff for January 1 coverage
In recent years, enrolling by December 15 has meant coverage starting January 1.
- January 15, 2027
Open enrollment ends
After this date you generally need a qualifying life event to enroll.
Open enrollment dates from the Kentucky Health Benefit Exchange (khbe.ky.gov), checked September 13, 2026. The exchange sets these dates and can change them.
Before you call
What if I miss open enrollment?
You generally need a qualifying life event, such as losing other coverage, moving, getting married or having a baby, to enroll later. Medicaid and KCHIP are open all year for people who qualify.
I like my plan. Should I still review it?
Yes. Premiums, networks and the help you qualify for can change from year to year. A review takes a short call, and keeping your plan is a fine outcome.
Is there a cost to review my options?
No. Plan premiums are the same whether you enroll through an agent or on your own.