Health money dates 2027

Medicare open enrollment.

Change your Medicare health or drug plan. Changes start January 1, and the plan must get your request by December 7.

For: Medicare. Source: Medicare.gov. Checked November 4, 2026.

HealthCare.gov: open enrollment starts.

Pick, renew or change a plan you buy yourself for 2027.

For: plans you buy yourself, and no insurance. Source: HealthCare.gov. Checked November 4, 2026.

HealthCare.gov: last day to enroll for January 1 coverage.

Enroll or change plans by this day for coverage that starts January 1.

For: plans you buy yourself, and no insurance. Source: HealthCare.gov. Checked November 4, 2026.

Last day of a calendar plan year.

Costs you paid in 2026 may help on your 2026 taxes if you itemize (above 7.5% of income, IRS Topic 502). Count your year so far

For: everyone. Source: IRS Topic 502. Checked November 4, 2026.

Your deductible and out-of-pocket counts start again.

Bills for December care may arrive in January: worth checking against your EOB. Check a bill, free

For: plans whose year starts in January. Source: HealthCare.gov. Checked November 4, 2026.

At most $680 of unused 2026 FSA money may carry into 2027. Your plan may set less.

For: FSA with a carryover. Source: IRS, IR-2025-103. Checked November 4, 2026.

2027 HSA limits: $4,500 for self-only coverage, $9,000 for family, plus $1,000 at 55 or older.

A 2027 HSA plan has a deductible of at least $1,750 for self-only coverage or $3,500 for family. Its out-of-pocket maximum is at most $8,700 or $17,400.

For: HSA. Sources: IRS Rev. Proc. 2026-24 and IRS Publication 969. Checked November 4, 2026.

A Marketplace plan’s out-of-pocket maximum can be at most $12,000 for one person, $24,000 for a family.

For: plans you buy yourself, and no insurance. Source: HealthCare.gov. Checked November 4, 2026.

Medicare Advantage open enrollment.

Only if you are already in a Medicare Advantage plan: switch plans once, or go back to Original Medicare.

For: Medicare. Source: Medicare.gov. Checked November 4, 2026.

HealthCare.gov: open enrollment ends.

Last day to enroll in or change a plan for 2027 without a special reason.

This date follows a court order and may change. Enroll by December 15 for January 1 coverage.

For: plans you buy yourself, and no insurance. Source: HealthCare.gov. Checked November 4, 2026.

HealthCare.gov: coverage starts for sign-ups December 16 to January 15.

Coverage starts once you pay your first premium.

For: plans you buy yourself, and no insurance. Source: HealthCare.gov. Checked November 4, 2026.

The latest an FSA grace period can end for a calendar-year plan, if your plan has one.

Your plan may end it sooner, so check its date. Your plan also sets how long you have to send claims.

For: FSA with a grace period. Source: IRS Publication 969. Checked November 4, 2026.

2026 federal tax returns are due.

The date comes from the law and the calendar. The IRS has not posted its 2027 page yet.

For: everyone. Source: 26 U.S.C. 6072(a). Checked November 4, 2026.

Medicaid and CHIP: you can apply any time. There is no open enrollment.

For: Medicaid and CHIP. Source: HealthCare.gov. Checked November 4, 2026.

2027 FSA limit, and how much 2027 money may carry into 2028.

The IRS has not announced them yet. It usually does in October or early November. For 2026 the limit is $3,400.

For: FSA. Source: IRS, IR-2025-103. Checked November 4, 2026.

2027 Medicare Part B premium and deductible.

CMS has not announced them yet. It usually does in the first half of November. For 2026: $202.90 a month and a $283 deductible.

For: Medicare. Source: CMS. Checked November 4, 2026.