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ACA open enrollment for 2027 features premium increases and broker limits

CBS News reports that 2027 ACA open enrollment starts November 1 in most states, with average premiums slated to rise about 15%.

Updated Oct 23, 2026 · 10:14 UTC1 reports

The short version

  • Open enrollment for 2027 ACA coverage starts November 1 in most states, and earlier in Idaho, Connecticut, and Massachusetts.[CBS News]
  • Average premiums are slated to rise about 15%, and the out-of-pocket maximum cap grows 13% to $12,000 for individuals.[CBS News]
  • CMS barred agents not registered with the federal marketplace in 2026 from helping with 2027 enrollments until February at the earliest.[CBS News]
  • Two agent groups have sued over the moratorium, while the administration credits anti-fraud efforts for lower enrollment.[CBS News]

Key facts

  • Open enrollment for 2027 ACA coverage starts November 1 in most states.[CBS News]
  • Idaho, Connecticut, and Massachusetts start open enrollment earlier than November 1.[CBS News]
  • CMS issued a September rule placing a moratorium on brokers new to offering ACA coverage, preventing agents not registered in 2026 from assisting with 2027 enrollments until February at the earliest.[CBS News]
  • The National Association of Benefits and Insurance Professionals filed a lawsuit on October 15 against the broker moratorium.[CBS News]
  • Health Agents for America filed a lawsuit on October 21 seeking a temporary restraining order on the broker moratorium.[CBS News]
  • The Trump administration says it cancelled policies covering 760,000 enrollees in August over suspected improper sign-ups.[CBS News]
  • Average premium increases for the upcoming year are slated to be about 15%.[CBS News]
  • In 2027, the out-of-pocket maximum cap grows 13% to $12,000 for an individual and $24,000 for family coverage.[CBS News]

What remains uncertain

  • The outcome of the lawsuits challenging the broker moratorium is not yet known, and one group sought a temporary restraining order.[CBS News]
  • The roughly 15% premium increase is a projection for the upcoming year, not a final figure.[CBS News]
  • The cause of the enrollment decline is disputed: the administration credits anti-fraud efforts, while policy experts say expired enhanced subsidies led millions to drop or lose coverage.[CBS News]

Sources

Outlet counts describe coverage, not independent confirmation. Reports may share a wire service or original source.