2027 ACA Open Enrollment · Greenville & Greer, SC
If you buy your own health insurance through HealthCare.gov (the ACA Marketplace, sometimes called “Obamacare”), Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Premiums are going up, and the extra tax credits of the last few years have ended. That makes this a year to shop carefully rather than let your plan auto-renew. Here’s what Greenville and Upstate families need to know.
| Date | What happens |
|---|---|
| November 1, 2026 | Open Enrollment opens on HealthCare.gov. |
| December 15, 2026 | Last day to enroll or switch for coverage starting January 1, 2027. |
| January 15, 2027 | Open Enrollment ends. Plans picked December 16 – January 15 start February 1, 2027. |
A 2025 federal rule would have shortened this window, but a federal court blocked that change, and CMS has confirmed the November 1 – January 15 dates for HealthCare.gov. If anything changes, we’ll update this page.
Sources: HHS 2026 poverty guidelines (used for 2027 coverage), CMS/HealthCare.gov, and South Carolina insurers’ 2027 rate filings. Updated October 2026.
Networks vary a lot. Make sure your doctors, and the hospital system you use (for example Prisma Health or Bon Secours St. Francis), are in the plan’s network.
Confirm each drug is covered and see what it will cost.
A low-premium Bronze plan can cost more over the year if you use care.
It sets your tax credit. If your income changes during the year, report it so you don’t owe money back at tax time.
ZIP code, birth dates for everyone who needs coverage, a 2027 household income estimate, any job-based coverage offers, and your doctors’ and prescriptions’ names. With that, we can usually show you side-by-side options the same day.
Call us at (864) 526-7702. Poston Health & Medicare Solutions is a locally owned, Marketplace-registered agency at 4115 E North St in Greenville. We estimate your tax credit, compare plans across the carriers we’re appointed with, check your doctors and prescriptions, and handle the enrollment for you. Using us costs nothing, and your premium is exactly the same as if you enrolled on your own. We’re also here after enrollment, when you have a question or a billing issue. See our individual & family health insurance page for more.
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★★★★★
“The insurance marketplace can be overwhelming and confusing, but with David’s diligence and expertise, our family was able to be paired with the best insurance plan for our budget.”
Jennifer W. · Google review
★★★★★
“Poston Health & Medicare Solutions have always been very helpful in helping me find the right type of coverage for the needs of my family! I didn’t feel rushed or pressured to pick one and be done.”
Sheri S. · Google review
★★★★★
“He not only helped us get set up with health insurance after a job change, but he has also been accessible by phone and email whenever I have questions.”
Erika W. · Google review
Yes. “Obamacare,” “ACA plans” and “Marketplace plans” all mean the health plans sold through HealthCare.gov under the Affordable Care Act. South Carolina uses HealthCare.gov.
Losing job-based coverage, moving, getting married or having a baby usually opens a 60-day Special Enrollment Period, so you don’t have to wait for next November.
No. Insurers pay agents, and Marketplace premiums are set by the plan, not by who helps you enroll.
Yes, but premium tax credits are only available on Marketplace plans. We’ll show you both so you can compare.
Free, no-obligation help from a licensed local agent.
