Federally Facilitated Marketplace (FFM)
2027 Changes
On April 7th, 2025, the Centers for Medicare and Medicaid Services (CMS) has released the CY 2026 MA and Part D Rate Announcement. You can view the announcement through this link.
FFM
2027 OEP is Nov 1 - Dec 15 (For 1/1 effective dates)
2027 Special Enrollment Period (SEP) for individuals with incomes at or below 150% of the Federal Poverty Level (FPL)
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CMS pauses the monthly Special Enrollment Period (SEP) for members with incomes at or below 150% FPL. This means 150% FPL members will no longer be able to change carriers and plans monthly, beginning August 25th and continuing through PY 2026. As finalized, this SEP will temporarily end, beginning August 25th through December 31, 2026.
Long-term: OEP (or other qualifying SEPs) will be the only option for the <150% FPL population to receive APTCs moving forward. Due to the budget reconciliation bill recently signed into law, the <150% FPL SEP will return beginning January 1, 2027, allowing individuals to enroll in this SEP, but they will not be eligible for APTC.
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2026 Open Enrollment Period (OEP) is Nov 1, 2025 to Jan 15, 2026
Medicare Part D
Prescription Drug Benefits 2027
On April 6th, 2026, the Centers for Medicare and Medicaid Services (CMS) has released the CY 2026 MA and Part D Rate Announcement. You can view the announcement through this link.
Part D Deductible
2027 Standard benefit deductible - $700.00
2026 Standard benefit deductible - $615.00
2025 Standard benefit deductible - $590.00
2026 HSA + HDHP
Limits & Amounts
The Internal Revenue Service (IRS) has announced health savings account (HSA) contribution limits for 2027 and high-deductible health plan (HDHP) amounts and expense limits for 2027.
2027 HSA contribution limits
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The maximum annual single HSA contribution limit will increase to $4,500 for 2027, up from $4,400.
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The maximum annual family HSA contribution limit will increase to $9,000 for 2027, up from $8,750.