WASHINGTON, D.C. — Americans shopping for 2027 health insurance through HealthCare.gov can choose from an average of 100 plans, including a substantially expanded selection of health savings account-eligible coverage, as the federal marketplace opened enrollment Nov. 1 amid continued concerns about healthcare affordability.
The enrollment period runs through Jan. 15, 2027, giving consumers approximately 11 weeks to select coverage for the coming year.
According to the Trump administration, more than 75% of consumers purchasing insurance through HealthCare.gov will have access to plans with monthly premiums of $50 or less in 2027.
The administration also estimates that federal premium tax credits will cover nearly 90% of the premium for the lowest-cost plan available to eligible consumers, compared with 85% in 2020, before temporary pandemic-era subsidy policies took effect.
Those figures describe plan availability and federal assistance for eligible consumers rather than the premiums every enrollee will ultimately pay. Individual costs depend on factors including income, location, eligibility for financial assistance and the coverage selected.
A major change for 2027 is the expansion of health savings account eligibility under the administration’s Working Families Tax Cuts legislation.
Consumers shopping through HealthCare.gov will have access to HSA-eligible insurance options, with an average of 35 qualifying plans available to eligible enrollees, according to the administration.
That represents an increase of more than 1,000% compared with the selection available before the legislative changes.
Health savings accounts allow eligible individuals to set aside money for qualifying medical expenses with federal tax advantages. The expansion gives marketplace consumers additional options for combining insurance coverage with tax-advantaged healthcare savings.
Plan competition also remains a central feature of the 2027 marketplace. Consumers will have access to an average of five to six insurance companies offering approximately 100 plans, although the number of participating insurers and available products varies by location.
The administration is also promoting catastrophic health insurance plans as a lower-premium alternative.
According to federal estimates, the average premium for the lowest-cost catastrophic plan is nearly 10% below that of the least expensive plan at other coverage levels.
Catastrophic plans generally carry higher out-of-pocket exposure while providing certain required protections, including preventive services without copayments and coverage protections for people with pre-existing conditions.
The administration has linked its marketplace policies to broader efforts involving prescription drug prices, rural healthcare access and medical price transparency.
Those initiatives form part of its stated strategy to reduce healthcare costs and expand consumer choice, although the enrollment figures primarily describe available plans, premium assistance and account eligibility rather than actual household savings.
Consumers can review available insurance plans and determine eligibility for financial assistance through HealthCare.gov during the enrollment period.
Additional information about the administration’s healthcare policies is available at whitehouse.gov/greathealthcare.
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