Automatic re-enrollment: Keeps you covered, but it's better to update & shop 2022 plans

If you don't log in to update your application and enroll in a plan by December 15, 2021, you may be automatically enrolled in a 2022 plan. Automatic enrollment is a good fallback. But the best way to make sure you have a 2022 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 2022.

The letter you get from your insurance company will say if you'll be automatically enrolled in your 2021 plan or a similar plan.

Starting November 1, 2021: Log in to update, compare plans & enroll

If you'll be automatically enrolled, we strongly recommend you log into your Marketplace account as soon as November 1, 2021.

  • Update your application with your expected 2022 income and household information, and compare the plan you’re being offered with other 2022 plans.
  • You can enroll in any plan available to you through the Marketplace — the one you were expecting to be automatically enrolled in or any other.
  • Enroll by December 15, 2021 for coverage that starts January 1, 2022.
  • The final deadline for 2022 coverage is January 15, 2022.

More answers: Automatic re-enrollment: Keeps you covered, but it's better to update & shop 2022 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. Your health insurance company may have decided not to offer your particular plan through the Marketplace in 2022.

If so, we'll enroll you in a 2022 plan with similar pricing and coverage to your 2021 plan. Your letter from your insurance company will explain.

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 from November 1 to January 15, 2022 to update your application and enroll in any available 2022 Marketplace plan.

  • Enroll by December 15, 2021 for coverage that starts January 1, 2022.
  • After January 15, 2022 you can't change plans for 2022 unless you qualify for a Special Enrollment Period

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 as soon as November 1, 2021, update your application, and check out the plans available to you for 2022.

To prevent a gap in coverage, enroll in a 2022 plan by December 15, 2021 for coverage that starts January 1, 2022.

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

Yes. If you don’t want your current coverage to continue into 2022, you can choose to have your Marketplace coverage end on December 31, 2021. To do this:

  • Between November 1 and December 15, 2021 log into your HealthCare.gov account and select your 2021 application — NOT your 2022 application.
  • On the "My Coverage" page of your 2021 application, you'll see a box near the bottom that explains how to prevent automatic enrollment for 2022.

Important: If you don’t follow the steps above by December 15, 2021, you may be automatically enrolled for 2022 on December 16.

Before you prevent automatic enrollment for 2022 without picking a new plan, there are important things to consider.

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

If you haven't updated your application and confirmed your 2022 health plan selection by December 15, you'll get a notice from the Marketplace saying which 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 2022. You'll find this on your "My Applications & Coverage" page.