Open enrollment for 2027 Affordable Care Act (ACA) health plans begins on November 1 in most states, and many lawfully present immigrants will no longer qualify for subsidies, according to a KFF Health News guide republished by The Haitian Times.

Under the One Big Beautiful Bill Act passed last year, subsidies are no longer available to many immigrants, including H-1B visa holders, refugees, asylees, people with Temporary Protected Status and people with pending green-card applications. Green-card holders, certain Cuban and Haitian immigrants, and citizens of Micronesia, the Marshall Islands and Palau remain eligible.

Premiums are slated to rise by about 15% on average, after a 26% jump last year, and subsidies are less generous since enhanced aid expired at the end of 2025. Subsidies end for households above four times the federal poverty level, or $63,840 for a single person, and out-of-pocket maximums rise to $12,000 for an individual and $24,000 for a family.

In the 29 states that use the federal marketplace, people enrolling through an agent must confirm the agent with a one-time code or link, and some “high-risk” consumers, such as first-time applicants, must verify their identity through a third party. Enrollment ends on January 15, 2027, in most states, according to HealthInsurance.org.

“If you just sit on the sidelines and let the policy auto-renew, you might miss out on what could be a better opportunity,” said Louise Norris of HealthInsurance.org.