Open enrollment 2027: see the real cost before you choose
Estimate your ACA premium tax credit, compare what plans really cost you over a year, and work out your HSA and FSA. Free, no sign-up, and everything runs in your browser.
Tools
ACA subsidy calculator (2027)
Estimate your ACA premium tax credit for 2026 or 2027 from household size, income and benchmark premium. Shows your expected contribution, monthly credit and the 400% poverty line cutoff.
Compare health plans (total cost)
Compare up to three health plans by total yearly cost: premiums, deductible, coinsurance, copays and out-of-pocket maximum, minus employer HSA money, in a quiet, typical and bad year.
HSA contribution calculator
Find your 2026 or 2027 HSA contribution limit, remaining room after employer money, estimated tax savings, per-paycheck amount and long-term growth. Checks if your plan meets HDHP rules.
FSA calculator (health & dependent care)
Decide how much to put in a health FSA or dependent care FSA. Suggests an election from certain, likely and possible expenses and shows tax savings and the cost of not spending it all.
Deductible & coinsurance calculator
Work out what you pay for a medical bill after your deductible, coinsurance and out-of-pocket maximum. Enter what you have already paid this year. Free and private.
Open enrollment date finder
Find your health insurance open enrollment dates for the 2027 plan year: HealthCare.gov, state exchanges, Medicare, employer plans and life events, with a days-left countdown.
What changed for 2027
- The enhanced ACA subsidies expired, so the 400%-of-poverty cutoff is back: above it, no premium tax credit. Our subsidy cliff guide explains the numbers.
- The expected contribution for a household at the top of the range rises to 10.22% of income for 2027 (9.96% in 2026), per IRS Rev. Proc. 2026-26.
- The 2027 HSA limits are $4,500 (self-only) and $9,000 (family) — see the HSA calculator.
Popular guides
How to Choose a Health Insurance Plan for 2027
A practical seven-step method for picking a health insurance plan during open enrollment: check your doctors and drugs, compare total yearly cost, understand metal tiers and use subsidies and HSAs.
The ACA Subsidy Cliff in 2027: What Changed and What to Do
The enhanced ACA subsidies ended and the 400% of poverty line cutoff is back. See the 2027 percentages, the cutoff for each household size, and legal ways to lower your MAGI.
Deductible, Copay, Coinsurance and Out-of-Pocket Maximum Explained
What each health insurance term means, how they work together on a real bill, what counts toward the out-of-pocket maximum, and the 2026 and 2027 federal limits.
HSA vs FSA vs HRA: Which Health Account Is Right for You?
Compare health savings accounts, flexible spending accounts and health reimbursement arrangements: who owns the money, rollover rules, contribution limits for 2026 and 2027, and when you can have more than one.
Open Enrollment Checklist for 2027
A step-by-step open enrollment checklist for 2027: the key dates, what to gather, how to review last year, how to update your Marketplace application, and how to confirm your coverage.
15 Legitimate Ways to Lower Your Health Insurance Costs for 2027
Practical, legal ways to reduce what you pay for health insurance in 2027: subsidies, plan choice, HSAs, income timing, employer options, prescriptions and billing checks.
How we work
Every number on this site is linked to an IRS, HHS or CMS source. We do not sell leads, we are not an insurance agent or broker, and we do not recommend a specific insurer or plan. When a 2027 figure has not been published, we label it as an estimate. Read more about EnrollWise.