Auto-reenrollment is the process by which your ACA Marketplace health insurance plan automatically renews for the following year if you don’t actively make changes during Open Enrollment. If you take no action, the Marketplace will re-enroll you in your current plan (or a similar one if your plan is discontinued) and recalculate your Premium Tax Credit based on projected income.
Auto-reenrollment is convenient, but relying on it without reviewing your options carries real risks:
The best practice is to actively log in to your Marketplace account each Open Enrollment, review your options, and confirm your enrollment rather than allowing auto-reenrollment to take effect passively.
Yes, if you’re enrolled in a Marketplace plan and don’t make changes during Open Enrollment, you’ll be auto-enrolled for the new year. Your coverage won’t lapse. However, the plan you’re auto-enrolled into may have different premiums, networks, or drug coverage than your current plan — which is why reviewing your options each year matters even if you plan to keep the same coverage.
Auto-reenrollment doesn’t apply to Medicaid — Medicaid uses an annual redetermination process where your eligibility is re-verified. If you miss redetermination, your Medicaid coverage can be terminated. The auto-renewal process described here applies specifically to ACA Marketplace (private) plans.
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