ACA health insurance open enrollment begins
DES MOINES — The annual Affordable Care Act open enrollment period began Nov. 1. Consumers seeking coverage through the individual market can compare options, evaluate federal subsidies, and enroll through the federal Health Insurance Marketplace at HealthCare.gov or by calling 1-800-318-2596. Key enrollment deadlines Dec. 15: Final day to select or change a plan for coverage taking effect January 1, 2027. Jan. 15: Final day of open enrollment. Plans selected between Dec. 16, 2026 and Jan. 15, 2027 will take effect Feb. 1, 2027. After Jan. 15, Iowans can enroll or switch plans only if they qualify for a Special Enrollment Period due to qualifying life events such as marriage, loss of employer coverage, loss of health coverage, birth of a child or relocation. The low-income year-round SEP for households at or below 150% of the federal poverty level has been removed for plan year 2027. What consumers need to know Review In-Network Providers & Medications: Before finalizing plan selection, policyholders should verify that their preferred doctors, clinics, and hospitals remain in-network and that essential prescription medications remain on the plan’s formulary. Check Subsidy Eligibility: Financial assistance through Advance Premium Tax Credits is available through HealthCare.gov based on projected household
