2027 Health Insurance Q&A
What are the income limits to qualify for help in 2027?
Households with annual income between 100% and 400% of the Federal Poverty Level (FPL) may qualify for help paying their monthly Marketplace insurance premium.
For 2027 coverage, eligibility is based on your estimated 2027 household income, using the 2026 federal poverty guidelines:
Household Size
Annual Income - Range That May Qualify
1 person - $15,960–$63,840
2 people - $21,640–$86,560
3 people - $27,320–$109,280
4 people - $33,000–$132,000
Income is only one part of eligibility. Access to qualifying employer coverage, Medicare, or Medicaid may affect whether you qualify. Some Wisconsin households with lower incomes may qualify for BadgerCare Plus instead.
Under current rules, households above these income ranges generally do not qualify for premium subsidies. The temporary enhanced subsidy rules expired after 2025.
What should I do right now?
Review your renewal letter to see your new premium and any coverage changes.
Check your doctors and prescriptions to make sure your plan still meets your needs.
Update your estimated income and household information so your Marketplace savings are calculated correctly.
Contact us if your costs increase or your needs change. We can help review available plans and check whether you qualify for financial assistance.
If you are happy with your current plan and it still fits your needs and budget, keeping it may be a good option. Even if your plan renews automatically, review and update your Marketplace application.
Are my plan options changing this year?
Available insurance companies and plans vary by county and can change from year to year. Your renewal letter will explain any changes to your current plan.
If your plan is ending, your premium is increasing, or your doctors or prescriptions are no longer covered as expected, contact us to review your options.
When is Open Enrollment for 2027?
November 1, 2026 - Open Enrollment begins.
December 5, 2026 - ISC’s deadline to receive your information if you would like our assistance with January 1 coverage.
December 15, 2026 - Enrollment deadline for coverage starting January 1, 2027.
January 15, 2027 - Open Enrollment ends.
Enrollments completed December 16 through January 15 generally start February 1, 2027.
Any required first premium must be paid for your coverage to take effect.
Where can I read reliable updates?
HealthCare.gov: Marketplace enrollment, deadlines, and financial assistance.
Wisconsin Office of the Commissioner of Insurance: Wisconsin insurance information and consumer resources.
KFF: Nonpartisan information about subsidies and Affordable Care Act updates.
Still have questions? Email us. We’re happy to help!
ISC Health Customer Service Team
health.service@iscinsurance.com
Agent: Karen VanDenBusch
karenv@iscinsurance.com
Agent: Brenda Vander Logt
brenda@iscinsurance.com
Information reviewed October 8, 2026. This page applies to individual and family Marketplace health insurance, rather than Medicare.