If you buy your own health insurance through the Health Insurance Marketplace, your window to choose a plan for 2027 opened on November 1. For Wisconsin, enrollment runs through HealthCare.gov.

Dates to remember

• November 1, 2026: Open enrollment begins.
• December 15, 2026: Last day to enroll for coverage that starts January 1, 2027.
• January 15, 2027: Open enrollment ends. Plans chosen after December 15 start February 1.

Check your plan, even if you like it

Premiums, deductibles, provider networks, and covered drugs can all change from one year to the next. If you simply let your plan renew, you may end up with a different bill than you expected. Savings you received in past years may also look different now.

What to compare

• Monthly premium and any financial help you qualify for
• Deductible and the most you could pay out of pocket in a year
• Whether your doctors, clinics, and hospital are in the network
• Whether your prescriptions are covered
• Costs for the care you expect to use, such as primary care visits and specialists

Update your application

Your income and household details drive the help you receive. If anything has changed, such as a new job, a move, or a new family member, update your application so your costs are calculated correctly.

Get local help

Marketplace plans can feel overwhelming. Our agents can walk you through the options, answer questions, and help you enroll, with no cost to you for the help.

Need Marketplace help? Contact Kassi Pagel, Benefits Producer, at 715-387-6010 or kassi.pagel@marshfieldinsurance.net. Learn more at www.MarshfieldInsurance.agency.