Will my ACA plan automatically renew for 2027 — and what changes in 2028?
For 2027, yes — if you do nothing, the Marketplace will generally re-enroll you, but you should not let it. For 2028, automatic renewal with a subsidy effectively ends. Under the One Big Beautiful Bill Act, starting with plan year 2028 anyone who wants an advance premium tax credit must verify their eligibility — income, immigration status, household and other factors — before the subsidy starts, which means you will have to actively update your application during the fall 2027 open enrollment instead of rolling over. This year, auto-renewal is still allowed but risky: 2027 premiums rose again, the enhanced subsidies are gone, and your plan or subsidy amount may have changed. Letting it roll over can leave you in a plan that is now more expensive, or with a subsidy based on outdated income that you will have to repay in full at tax time. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
More on this topic: health insurance marketplace
What it means
- Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 in HealthCare.gov states — the last season where passive renewal with a subsidy is the default.
- Pre-enrollment verification for subsidized coverage begins with plan year 2028, so fall 2027 is the first season you must actively verify.
- Insurers may change plans, networks, or drug lists, so your renewed plan may not match what you had.
- With no repayment cap, carrying forward an old income estimate is riskier than before.
Action steps
- Log in during open enrollment and update your 2027 income and household.
- Compare your renewal against other plans in your area, including bronze and gold.
- Confirm your doctors and prescriptions are still in network.
- Save proof of income and identity now — you will need it for 2028 verification.
- Ask a licensed agent to review your renewal before December 15.
Risks & deadlines
- December 15, 2026: deadline for coverage starting January 1, 2027.
- January 15, 2027: final open enrollment deadline in HealthCare.gov states.
- Fall 2027: first season requiring eligibility verification before a 2028 subsidy is paid.
Also asked as
- Does Obamacare auto renew?
- Is automatic re-enrollment ending for ACA plans?
- Do I need to re-apply for my ACA subsidy every year?
- What is pre-enrollment verification for ACA?
Sources
- Oregon marketplace partner brief — end of automatic re-enrollment effective plan year 2028
- AMA — OBBBA pre-enrollment verification will effectively end automatic re-enrollment
- Congress.gov — H.R. 1, One Big Beautiful Bill Act (text)
- HealthCare.gov
Last verified: 2026-10-27