During Open Enrollment, 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
Log into your Marketplace account to:
- 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.
After Open Enrollment ends January 15, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
More answers: Automatic re-enrollment keeps you covered
- Why was I automatically re-enrolled in a different health plan?
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. If you qualify for cost savings and you’re not enrolled in a Silver plan, we may re-enroll you in one that lowers your out-of-pocket costs. 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.
An insurance company can't move you to a different plan based on your health or how much care you use. Learn about how insurance companies can price plans.
- What if I don't like the plan or the premium went up?
You can enroll in a different plan during Open Enrollment. 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 as described in the next question (or you'll be automatically re-enrolled).
An insurance company can't move you to a different plan based on your health or how much care you use. Learn about how insurance companies can price plans.
- I don't want Marketplace coverage for the new year. Can I stop the Marketplace from automatically re-enrolling me?
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 Coverage" page of your application, select the stop coverage button to cancel your re-enrollment for next year.
If you don't complete these steps by December 15, you'll be automatically re-enrolled in a plan for next year.
You can log into your account by December 31 to stop that coverage if you don't want it. 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 preventive services, to keep you healthy. Learn about the benefits of health coverage.
- How will I know when I've been automatically re-enrolled?
You'll get a letter from the Marketplace saying if you've been automatically re-enrolled. (Note: While automatic re-enrollment is a great fallback, we encourage you to log in, update your information, and compare plans. You might find something new that better suits your needs.)
When you log into your account on or after December 16, you may see a message telling you that we've automatically re-enrolled you in a plan. You'll find this on your "My Applications & Coverage" page.
Even if you're automatically re-enrolled, you can still log in, compare plans, and change through the end of Open Enrollment.