Washington open enrollment 2027: Jan 15 deadline.

Washington 2027 enrollment dates

Washington Healthplanfinder gives full calendar dates with the year: December 31, 2026 for January 1, 2027 coverage and January 15, 2027 for February 1, 2027 coverage. Note that the January 15 end sits two weeks earlier than New Jersey and California, while the December cutoff matches theirs. 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 Washington, a plan chosen on or before Dec 31, 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 Washington Healthplanfinder 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 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 Washington Healthplanfinder 2027 deadline?

Pick your plan by December 31, 2026 for coverage starting January 1, 2027, or by January 15, 2027 for coverage starting February 1, 2027.

Is Washington Healthplanfinder the same as HealthCare.gov?

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

Sources

• Washington Healthplanfinder home page — pick your plan by December 31, 2026 for coverage starting January 1, 2027; by January 15, 2027 for coverage starting February 1, 2027 (read 2026-11-01)
• HealthCare.gov — "Enroll by Dec 15 for Jan 1 coverage" (read 2026-11-01)