Illinois open enrollment 2027: Jan 15 deadline.

Illinois 2027 enrollment dates

Get Covered Illinois states both cutoffs on its home page: December 15 for January 1 coverage and January 15 for February 1 coverage, inside a November 1 to January 15 window. That makes Illinois one of the states, like Kentucky, where the open-enrollment end date and the February 1 cutoff are the same day.

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 Illinois, a plan chosen on or before Dec 15, 2026 starts January 1, 2027, and one chosen after that and by Jan 15, 2027 starts February 1, 2027. The checker above applies only the cutoffs Get Covered Illinois 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. Someone who selects a plan on Jan 5, 2027 would be past the January 1 cutoff but within the Jan 15, 2027 window, so coverage would start February 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

What is the Illinois deadline for January 1, 2027 coverage?

December 15, 2026. Get Covered Illinois says to enroll by December 15 for coverage starting January 1, and by January 15 for coverage starting February 1.

Is Get Covered Illinois the same as HealthCare.gov?

No. Illinois 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 Illinois 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 Get Covered Illinois published as of November 1, 2026; check the exchange link before you rely on a date.

Sources

• Get Covered Illinois home page — Enroll by December 15 for coverage starting January 1; enroll by January 15 for coverage starting February 1; November 1 to January 15 (read 2026-11-01)
• HealthCare.gov — "Enroll by Dec 15 for Jan 1 coverage" (read 2026-11-01)