New Jersey open enrollment 2027: Jan 31 deadline.

New Jersey 2027 enrollment dates

Get Covered NJ states that Open Enrollment for 2027 coverage is under way and is typically the only time of year you can enroll without a qualifying life event. Its two cutoffs are December 31 and January 31, so New Jersey gives roughly two extra weeks over the December 15 deadline on HealthCare.gov, which shows "Enroll by Dec 15 for Jan 1 coverage". The page read for this guide does not print an opening date.

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 New Jersey, a plan chosen on or before Dec 31, 2026 starts January 1, 2027, and one chosen after that and by Jan 31, 2027 starts February 1, 2027. The checker above applies only the cutoffs Get Covered NJ 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 31, 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 31, 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

Does New Jersey have a later deadline than HealthCare.gov?

Yes. Get Covered NJ says to enroll by December 31 for January 1 coverage and by January 31 for February 1 coverage. HealthCare.gov shows a December 15 deadline for January 1 coverage.

Is Get Covered NJ the same as HealthCare.gov?

No. New Jersey 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 New Jersey deadline?

After Jan 31, 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 NJ published as of November 1, 2026; check the exchange link before you rely on a date.

Sources

• Get Covered NJ home page — Enroll by December 31 for coverage starting January 1; enroll by January 31 for coverage starting February 1 (read 2026-11-01)
• HealthCare.gov — "Enroll by Dec 15 for Jan 1 coverage" (read 2026-11-01)