Keep or change your insurance plan
Automatic re-enrollment keeps you covered
During
, if you have Marketplace coverage, we'll automatically re-enroll you in a plan for next year, so you avoid a gap in coverage.
You'll get a letter telling you if you'll be automatically re-enrolled in the same or a different plan.
- If you don't want that plan, enroll in a different one by December 15 so it starts January 1.
- If you're automatically re-enrolled and your coverage started, you can still change plans until January 15 (when Open Enrollment ends).
Log in to update, compare plans, & enroll
- Update your application with your expected income and household information for the plan year you want coverage.
- Compare the plan you're matched with to other plans available to you.
- Pick the plan that best meets your needs and enroll in it — you can choose to enroll in the one you're matched with or any plan available to you.
To make sure you get the savings you qualify for and have a plan that works for you, act by December 15 so coverage starts January 1.
More answers: Automatic re-enrollment keeps you covered
It's normal for insurance companies to sometimes change or end the plans they offer in the Marketplace.
If so, we'll automatically re-enroll you in a plan. This may be a different plan with your same insurance company. If your company isn't offering any similar plans for the next year, we'll re-enroll you in a comparable one with a different insurance company. The letter from your insurance company will explain your coverage options.
Automatic re-enrollment protects you from having a gap in coverage. You can accept the enrollment in the plan we matched you with, or compare your options and change plans before Open Enrollment ends.
You can enroll in a different plan during
. Log into your Marketplace account and update your application. Then, enroll in a plan that meets your needs. You must pay your first premium for coverage to start.
- If you’re automatically re-enrolled in a plan, that coverage starts January 1. If you don’t want that plan, enroll in a different plan by December 15.
- If your automatic re-enrollment coverage started, you can still change plans until the end of Open Enrollment. Enroll by January 15 for coverage to start February 1.
If you don't want Marketplace coverage for next year, you need to act to stop coverage or you'll be automatically re-enrolled. Select the next question on how to stop automatic re-enrollment.
Yes. If you don't want us to automatically re-enroll you in a plan for coverage that starts January 1, take action no later than December 15:
- Log into your Marketplace account.
- Select your current year application — not the one for next year.
- On the "My Plans & Programs" page of your application, select the stop coverage button to cancel your re-enrollment for next year.
If you've been automatically enrolled and you don't want coverage for next year, log into your account by December 31 to stop coverage from starting. If your coverage already started, get details on how to end coverage.
Before you end your Marketplace coverage, think about:
- The significant health and financial benefits of having health coverage — and risks if you don’t. Nobody expects to get sick or hurt. But medical care without insurance is very expensive, so it’s important to have protection if the unexpected happens.
- Health coverage helps you get regular care, including free , to keep you healthy. Learn about the benefits of health coverage.
You'll get a letter from the Marketplace saying if you've been automatically re-enrolled.
When you log into your account on or after December 16, you may have a message telling you we've automatically re-enrolled you in a plan. You'll find this on your "My Plans & Programs" page.
Even if you're automatically re-enrolled, plan costs can change. You can still log in, compare plans, and change to a different plan that meets your budget and needs through the end of
.