Automatic ACA Re-Enrollment Is Ending — What You Must Do Now to Keep Your Coverage

New changes to the ACA mean automatic renewals are going away. Learn what this means for your health coverage — and how to avoid losing your plan.

A Big Change Just Happened — and It Could Cost You Your Health Coverage

If you’ve ever been automatically re-enrolled in your health insurance plan, you might think you’re set for next year.

But that’s no longer guaranteed.

Here’s what that means, who it affects, and what you need to do to protect your coverage — before it’s too late.

🚨 What’s Changing?

In previous years, if you didn’t actively log into your ACA account during Open Enrollment, the system would automatically:

• Re-enroll you in the same plan (if available)

• Carry over your income info

• Apply your subsidy (premium tax credit) for the next year

That’s gone.

Starting this fall, you’ll need to manually verify your income and renew your coverage — or you could lose your plan.

❗ Why This Matters

If you don’t take action:

• You may lose your subsidy

• Your plan may not renew

• You could get dropped altogether

• You might end up with no coverage on Jan 1, 2026

Even worse — if you miss Open Enrollment, you may not be able to enroll again unless you qualify for a Special Enrollment Period.

🧾 What You’ll Be Required to Do Now

Here’s your new to-do list:

✅ 1. Manually Reapply Each Year

You must actively reapply or update your info during Open Enrollment (Nov 1 – Jan 15)

✅ 2. Update Income & Household Info

Even small changes in income can affect your subsidy or eligibility — and under the new bill, the system will verify more strictly.

✅ 3. Choose a New Plan (If Yours Was Discontinued)

If your plan or carrier exits the marketplace, you must pick a new one — or the system may assign a plan with higher costs and worse coverage.

✅ 4. File Taxes Every Year

To keep your subsidy, you must file a tax return and reconcile any past subsidies — this is now being enforced more aggressively.

👥 Who’s Most at Risk?

• People who don’t check their email or Healthcare.gov account regularly

• Self-employed individuals with fluctuating income

• Anyone who moved, changed jobs, or had a baby

• People who used to “set it and forget it”

🙋 How I Help Clients Navigate This

As a licensed agent, I:

• Remind my clients ahead of time

• Help review and update income

• Re-shop plans to find better deals or keep your doctors

• Submit applications fast and correctly — no stress, no spam

Even if you’ve been re-enrolled automatically before, this year you can’t rely on that.

📞 Don’t Risk Losing Your Health Coverage

📱 Call or text: 407-815-5238💬 Chat with me now: Live agent button bottom right

Protect Your Coverage — Stay In Control

Don’t let a quiet policy change leave you uninsured.Let’s make sure your 2026 coverage is locked in — with the right plan and all the savings you qualify for.

👉 [Renew Your Coverage Today]👉 [Book a Free Review Call]