Your open enrollment checklist

Five quick checks before you renew or switch health coverage for 2027.

1. Confirm your deadline

Medicare: Oct. 15 to Dec. 7, 2026. Marketplace: starts Nov. 1; end date depends on your state. Employer: ask HR.

2. Check doctors and drugs

Search your doctors, hospital and prescriptions in each plan's own network directory and formulary.

3. Compare the out-of-pocket max

The deductible is only part of the story. The maximum shows your worst year.

4. Recheck financial help

Enhanced federal Marketplace subsidies expired after 2025. Use the current estimate on HealthCare.gov.

5. Plan your cash cushion

A high-deductible plan can pair with an HSA. 2027 self-only limit reported at $4,500 (verify with the IRS).

Full guide on FinovativeHub

finovativehub.com/open-enrollment-2027-compare-health-plans/ - general education, not insurance advice.