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ACA Marketplace 2027: enroll by December 15 and check the drug list

By GLP ChartDates read October 27, 2026 on HealthCare.gov

You can pick a 2027 Marketplace plan from November 1, 2026 to January 15, 2027. Pick by December 15 and it starts January 1. Whether it pays for Wegovy, Zepbound or another GLP-1 depends on that plan's own 2027 drug list, so read the list before you choose.

The dates, and what each one means

  • Open Enrollment starts November 1, 2026. It is the first day you can enroll in, renew or change a Marketplace plan for 2027. Source: HealthCare.gov, dates and deadlines, read October 27, 2026.
  • Enroll or change plans by December 15 and coverage starts January 1, once you pay the first premium. Source: HealthCare.gov, dates and deadlines, read October 27, 2026.
  • Enroll between December 16 and January 15 and coverage starts February 1. January 15 is the last day of Open Enrollment. Source: HealthCare.gov, dates and deadlines, read October 27, 2026.

A state that runs its own Marketplace can set other dates. If your state's exchange is not HealthCare.gov, check its site.

How to tell whether a 2027 plan covers your GLP-1

  • Each plan covers the drugs on its formulary, which is its approved drug list. Drugs on that list usually cost you less. To see whether a plan covers a drug, check the plan's own drug list before you pick it. Source: HealthCare.gov, getting prescription medications, read October 27, 2026.

On each plan's drug list, look for three things: the drug by its brand name, any note that it needs prior authorization, and the tier, which sets the copay. A plan can list a GLP-1 for type 2 diabetes and still exclude it for weight loss, so read the limits beside the name.

If the plan you picked leaves it off

  • If your plan does not cover a drug your doctor prescribes, you can use the plan's drug exceptions process. Your doctor tells the plan why the drug is right for you, and if the plan agrees it generally charges the copay for its most expensive covered tier. Source: HealthCare.gov, getting prescription medications, read October 27, 2026.

A prior authorization letter is the usual first step, and an appeal letter is the next one if the plan says no.

Paying cash while you wait

Two cash programs to check.

No insurance needed.

  1. SnagRx$99 a monthcompounded semaglutideCheck price →SnagRx's homepage shows its 12-month prepaid prices first
  2. yourEra$89 a monthcompounded semaglutideCheck price →

Cash does not go through your plan and does not count toward its deductible. All three 2027 windows.

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