What changes between November 1, December 15, and January 15?

As of November 2026, HealthCare.gov and CMS's October 30, 2026 fact sheet put Plan Year 2027 Open Enrollment from November 1, 2026, through January 15, 2027. December 15 is the last day for coverage that starts January 1. December 16 through January 15 is for coverage that starts February 1. State exchanges can differ. This is not legal advice.

How should caps, hours, and state filters shift?

Match the cap to licensed people who are actually answering, and stop the buy when they stop. Keep the state filter equal to the states those people can discuss. Change the talk track on December 16 so it no longer promises a January 1 start.

How do you keep ACA and short-term callers apart, with consent documented?

Give them different ads, different first questions, and a consent line that names the product. Store the page and the timestamp with the call.

What happens to filters after January 15?

On HealthCare.gov, Marketplace enrollment or a plan change then requires a Special Enrollment Period. Pull the Open Enrollment creative the same day.

ACA Open Enrollment for Plan Year 2027: How Health Insurance Call Buyers Should Pace Volume to Dec 15 and Jan 15