Colorado open enrollment 2027: Jan 15 deadline.

Colorado 2027 enrollment dates

Connect for Health Colorado said in its October 30, 2026 release that the Colorado Division of Insurance announced average individual-market premium increases of 10% for 2027, and that 69% of its customers are likely to qualify for financial help (federal advance premium tax credits and state-funded Colorado Premium Assistance). Connect for Health Colorado does not set rates; it urges customers to shop rather than auto-renew.

How to use the dates

Coverage generally starts on the first day of the month after you pick a plan, but only if you pick it by the cutoff. In Colorado, a plan chosen on or before Dec 15, 2026 starts January 1, 2027. The checker above applies only the cutoffs Connect for Health Colorado published; where a cutoff is not published it tells you to confirm rather than guessing.

Worked example

Someone who selects a plan on Dec 10, 2026 is before the Dec 15, 2026 cutoff, so coverage would start January 1, 2027.

Limits of this guide

It reports published dates only. It does not check your eligibility, premiums or tax credits, and exchanges can change dates. See the ACA subsidy cliff calculator for income effects and the health plan comparison calculator to compare plan costs.

Other state exchanges compared

n/s = not stated on the page read. HealthCare.gov, used by states without their own exchange, shows "Enroll by Dec 15 for Jan 1 coverage".

Frequently asked questions

When is the last day to enroll through Connect for Health Colorado?

Open enrollment for 2027 runs through January 15, 2027. To have coverage begin January 1, 2027, enroll by December 15, 2026. The release read for this guide does not state the start date for a January enrollment, so confirm it with Connect for Health Colorado.

Is Connect for Health Colorado the same as HealthCare.gov?

No. Colorado runs its own state-based exchange, so its dates can differ from HealthCare.gov, which currently shows "Enroll by Dec 15 for Jan 1 coverage" (read 2026-11-01).

What if I miss the Colorado deadline?

After Jan 15, 2027 you generally need a qualifying life event and a special enrollment period to buy a marketplace plan. Medicaid is handled separately and may be available at other times if you qualify.

Do the dates on this page change?

Exchanges can extend or correct deadlines. This page reflects what Connect for Health Colorado published as of November 1, 2026; check the exchange link before you rely on a date.

Sources

• Connect for Health Colorado, Open Enrollment for 2027 (Oct. 30, 2026) — begins Sunday Nov. 1; runs through Jan. 15, 2027; enroll by Dec. 15 for Jan. 1, 2027 coverage (read 2026-11-01)
• HealthCare.gov — "Enroll by Dec 15 for Jan 1 coverage" (read 2026-11-01)