If you enrolled through Healthcare.gov or your state exchange, you will be auto-enrolled in a plan that is similar to your 2020 selection. If you enrolled directly through an insurance company, you will NOT be auto-renewed and will need to actively select a new plan.

Do I have to renew my Obamacare every year?

In most states, Open Enrollment for 2021 plans begins on November 1 and ends December 15, 2020. If you don’t take any action before Open Enrollment ends, in most cases the Marketplace will automatically renew your coverage for the coming year.

How can I cancel my health insurance without a new plan?

On the “My Coverage” page of your application, select the blue “STOP COVERAGE” button at the bottom of the page. Call your insurance provider and confirm. You can also cancel your insurance without selecting a new plan. Keep in mind, though, that if you do this, then it will effectively leave you without health insurance.

What happens if you don’t pay your health insurance premiums?

If your health coverage is terminated due to non-payment If your health insurance company ends your coverage because you didn’t pay all outstanding health insurance premium payments in full by the end of your grace period: You have the right to appeal your health insurance company’s decision if you believe your coverage was wrongly terminated.

Can a health insurance plan be terminated due to a change in health status?

All Marketplace plans cover treatment for pre-existing medical conditions and can’t terminate coverage due to a change in health status, including diagnosis or treatment of COVID-19. Check with your health insurance company for their specific benefits and coverage policy.

How are health insurance companies skirting the ACA?

Insurers selling these plans are able to skirt the ACA’s protections and ask consumers about their health history to find out whether they might be expensive to cover, exclude benefits like prescription drugs or mental health services, kick people off if they get sick, or increase their price because of a preexisting condition.