Open Enrollment Plan Picker 2027: Health Plan Comparison Calculator and Guide

Picking a health plan for 2027? This kit helps you compare plans in one evening and see what each one really costs, not just the monthly premium.

Free copies available. Medical paperwork often lands when money is already stretched. That's not your fault. If paying isn't possible right now, email thedenialdesk@gmail.com with the subject "Free kit" and tell us which kit. You don't need to explain why. Please don't include medical details, diagnoses, bills or insurance numbers. Limit one free kit per email address.

Free updates: when a rule or date changes, your download link gets the updated file.

Many plans are changing their prices, drug lists, and doctor networks for 2027. Letting your plan renew without checking can cost you.

WHAT YOU GET

• Plan Picker guide (PDF, 10 pages). Key dates, the words that decide what you pay, five steps to compare plans, a worked example, a Medicare section, free help, and two printable worksheets.
• Plan comparison calculator (Excel, opens in Google Sheets). Type in up to four plans. It adds up premiums and care and shows the cost of each plan in a quiet year, an expected year, and a worst-case year. It flags plans where your doctors are not in-network or your drugs are not covered and counts down the days left to enroll.

KEY DATES FOR 2027 COVERAGE

• Medicare: October 15 to December 7, 2026
• HealthCare.gov: November 1, 2026 to January 15, 2027 (pick by December 15 for January 1 coverage)
• Employer plans and some state Marketplaces set their own dates

WHO IT IS FOR

Anyone choosing a plan through Medicare, the Marketplace, or an employer.

HOW IT WORKS

This is an instant digital download. Nothing will be shipped.

This kit is self-serve. It doesn't include personal help with your case. For free one-on-one help, see Who will help me for free?

The guide (PDF) reads fine on a phone. The calculator is easiest on a computer, or open it free in Google Sheets. You will get two files you can open in any PDF reader, Excel, or Google Sheets.

PLEASE NOTE

This is an educational planning tool. It is not insurance, legal, tax, or financial advice, and it does not recommend any plan. The Denial Desk does not sell insurance and is not affiliated with any insurer, broker, or government agency. Always check the official plan documents before you enroll. For personal use only.

AI disclosure: This kit was drafted with help from AI tools, then reviewed and fact-checked by our founder, a certified medical coding professional.