Automatic re-enrollment: Keeps you covered, but it's better to update & shop 2023 plans

If you don't log in to update your application and enroll in a plan by December 15, 2022, you may be automatically enrolled in a 2023 plan. Automatic enrollment is a good fallback. But the best way to make sure you have a 2023 plan that works for you, with the savings you qualify for, is to log in, update your application, and view all your plan options for 2023.

The letter you got from your insurance company will say if you'll be automatically enrolled in your 2022 plan or a similar plan.

Act now: Log in to update, compare plans & enroll

If you'll be automatically enrolled, log into your Marketplace account.

  • Update your application with your expected 2023 income and household information, and compare the plan you’re being offered with other 2023 plans.
  • You can enroll in any plan available to you through the Marketplace — the one you'll be automatically enrolled in or any other.
  • Enroll by December 15, 2022 for coverage that starts January 1, 2023.
  • The final deadline for 2023 coverage is January 15, 2023.

More answers: Automatic re-enrollment: Keeps you covered, but it's better to update & shop 2023 plans

Why will I be automatically enrolled in a similar health plan?

Insurance companies sometimes decide to change which health plans they offer in the Marketplace. This is a normal part of their business operations.

If your health insurance company chose not to offer your particular plan through the Marketplace in 2023, we'll enroll you in a 2023 plan with similar pricing and coverage to your 2022 plan. Your letter from your insurance company will explain your options for coverage.

You can accept the enrollment in the similar plan or compare your options and change plans.

Note: An insurance company can't move you to a different plan based on your health or how much care you use. It can move you only if it's no longer offering the plan you had to anyone in your area. Learn about how insurance companies can price plans.

What if I don't like the plan I'll be enrolled in automatically, or the premium has gone up?

You can log into your HealthCare.gov account anytime until January 15, 2023 to update your application and enroll in any available 2023 Marketplace plan.

Note: An insurance company can't move you to a different plan based on your health or how much care you use. It can move you only if it's no longer offering the plan you had to anyone in your area. Learn about how insurance companies can price plans.

What if I won't be automatically enrolled?

Log into your HealthCare.gov account by January 15, 2023, to update your application, and check out the plans available to you for 2023. Preview 2023 plans and prices before you apply.

To prevent a gap in coverage, enroll in a 2023 plan by December 15, 2022 for coverage that starts January 1, 2023.

Can I stop the Marketplace from automatically enrolling me in coverage?

Yes. If you don’t want your current coverage to continue into 2023, you can choose to have your Marketplace coverage end on December 31, 2022. To do this:

  • Log into your account by December 15, 2022 and select your 2022 application — NOT your 2023 application.
  • On the "My Coverage" page of your 2022 application, select the blue “Stop Coverage for 2022” button at the bottom of the page.

Important: If you don’t follow the steps above by December 15, 2022, you may be automatically enrolled for 2023 on December 16.

Before you stop automatic enrollment for 2023 without picking a new plan, think about:

  • There are 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 also helps you get regular care, including free preventive services, to keep you healthy. Learn about the benefits of health coverage.
What if I stop the Marketplace from automatically enrolling me in coverage, but decide I still want coverage in 2023?

If you want Marketplace coverage in 2023, you need to complete a 2023 application before Open Enrollment ends. Enroll in a 2023 plan by December 15, 2022 for coverage that starts January 1, 2023. Open Enrollment ends on January 15, 2023.

How will I know when I've been automatically enrolled?

If you haven't updated your application and confirmed your 2023 health plan selection by December 15, you'll get a letter from the Marketplace that tells you the plan you've been enrolled in.

When you log in to your account on or after December 16, you may see a message telling you that we've automatically enrolled you in a plan for 2023. You'll find this on your "My Applications & Coverage" page.