Open enrollment is your once-a-year chance to pick, switch or renew your health coverage, and the deadlines come fast. Norwood Insurance Group is a family-owned agency in Panama City, FL that helps Floridians through ACA Marketplace and Medicare enrollment, one-on-one. Here are the key dates for the 2027 plan year and what to bring so your enrollment goes smoothly.
Key Open Enrollment Dates at a Glance
- Medicare Annual Enrollment Period (AEP): October 15 – December 7, 2026
- ACA Marketplace Open Enrollment: November 1, 2026 – January 15, 2027
- Enroll by December 15 for coverage starting January 1, 2027
- Enroll Dec 16 – Jan 15 for coverage starting February 1, 2027
- Medicare Advantage Open Enrollment Period: January 1 – March 31, 2027
Medicare Annual Enrollment (October 15 – December 7)
During AEP, people with Medicare can switch from Original Medicare to a Medicare Advantage plan (or back), change Medicare Advantage plans, and join, switch or drop a Part D prescription drug plan. Changes take effect January 1. Plans change their premiums, networks and drug lists every year, so it pays to review your coverage even if you’re happy today. We’ll go over your doctors, prescriptions and budget and compare your options side by side.
ACA Marketplace Open Enrollment (November 1 – January 15)
If you buy your own health insurance, open enrollment is when you can enroll in, renew or change a Marketplace plan for 2027. Many Florida households qualify for financial help that lowers their monthly premium, based on household income and size. Our team will help you update your application, check your savings, and choose a plan that covers your doctors. Missed the deadline? You may still qualify for a Special Enrollment Period after a life event like moving, losing coverage, getting married or having a baby, and we can help you submit the documents.
Medicare Advantage Open Enrollment (January 1 – March 31)
Already in a Medicare Advantage plan and not happy with it? From January 1 to March 31 you can make one change: switch to a different Medicare Advantage plan, or go back to Original Medicare and add a Part D drug plan. We can help you decide whether a change makes sense.
What to Bring to Your Enrollment Appointment
- Social Security numbers and birth dates for everyone applying
- Your Medicare card (for Medicare clients)
- Current insurance cards and plan information
- Income information: recent pay stubs, W-2s, or your most recent tax return
- Employer coverage info, if any household member is offered coverage at work
- A list of your doctors, prescriptions and dosages, and preferred pharmacy
- Immigration documents, if applicable
Why Work With Norwood Insurance Group?
- Local and family-owned: our office is right here at 2201 Grant Ave. Unit D in Panama City, FL.
- One-on-one help: we walk you through your entire application and explain everything in plain language.
- Year-round support: we’re here after enrollment for questions, changes and Special Enrollment Periods.
- Serving all of Florida: from Bay County and the Panhandle to the whole Sunshine State.
Get Ready for Open Enrollment Today
Don’t wait until the deadline. Request your free quote or contact our Panama City office or call us at (850) 960-2022 (Mon–Fri, 8:00–5:00 CST).
Request a Free Quote Call (850) 960-2022
Open Enrollment FAQ
When is open enrollment for 2027 health insurance in Florida?
ACA Marketplace open enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1.
When can I change my Medicare plan?
During the Medicare Annual Enrollment Period, October 15 through December 7. Changes start January 1. If you’re in a Medicare Advantage plan, you can also make one change from January 1 to March 31.
What happens if I miss open enrollment?
You can generally only enroll in or change a Marketplace plan if you qualify for a Special Enrollment Period, usually after a life event such as moving, losing coverage, marriage or a new baby. Call us and we’ll check whether you qualify.
Do I need to re-enroll if I already have a Marketplace plan?
Even if your plan renews automatically, review it every year. Premiums, financial help and networks can change. Updating your application makes sure you get the savings you qualify for.
Can I qualify for lower premiums?
Many Florida households qualify for financial help based on income and household size. We’ll help you check your eligibility when you apply.
What’s the difference between Medicare Advantage and a Medicare Supplement?
Medicare Advantage plans replace Original Medicare with an all-in-one private plan, often with a network. Medicare Supplement (Medigap) plans work alongside Original Medicare to help pay deductibles, copays and coinsurance. We’ll help you compare which fits you.
Do I have to come into the office?
You’re welcome to visit our Panama City office at 2201 Grant Ave. Unit D, or call (850) 960-2022 to get started.
Norwood Insurance Group · 2201 Grant Ave. Unit D, Panama City, FL 32405 · (850) 960-2022
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