Local guide · Updated November 2026
ACA open enrollment in Palm Bay
Florida uses the federal marketplace at Healthcare.gov. Here is the 2027 enrollment window for Palm Bay, and what a local broker actually does with it.
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The window
For coverage in 2027, Healthcare.gov open enrollment runs from November 1, 2026 through January 15, 2027, unless CMS changes the dates. Confirm the last day on Healthcare.gov before you rely on it. Enroll by December 15, 2026 if you want coverage to start January 1. Enrollments later in the window usually start February 1.
Outside that window you generally need a special enrollment period. Losing other coverage, moving, getting married, or having a baby are common reasons. The deadline is measured from the event. Bring the date.
What this office does
We review Marketplace options with you. The consultation is free. This office is appointed with all ACA Marketplace carriers in Florida.
Open enrollment starts November 1. Confirm the last day on HealthCare.gov. If you are outside that window, ask us to check whether another enrollment period may apply.
Palm Bay details that change the plan
Tell us who needs coverage and the ZIP code. Palm Bay and Melbourne are both in the area we serve.
Self-employed neighbors use this marketplace often, because there is no job plan to join. Call or text (321) 429-1182, or send the quote form with your ZIP code. We answer Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed. Closed on US federal holidays.
A consultation with this office is free. Nothing on this page is a binder of coverage.
Questions people ask
Am I eligible if I missed November 1?
You can still enroll during the open enrollment window through the January deadline. After it closes, you need a qualifying life event. We will check the date with you rather than guess.
Will you charge me to use Healthcare.gov?
No. Marketplace help from this office is free. If you enroll, the carrier pays the commission.
I am turning 65 this winter. Is this the right page?
Probably not. Medicare has its own enrollment timing. Use the Medicare page. The CMS disclaimer is in the footer of every page. You can be eligible for Medicare and still look at the marketplace only in limited cases. We will sort out which program fits before you drop anything.
Ready to talk it through?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.