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Renewing your coverage

The health coverage you buy through the Marketplace covers you for one year, as long as you continue paying the premium. The Marketplace plan year is the same as the calendar year. You must renew your coverage during open enrollment (Nov. 1 to Jan. 15) to stay enrolled through the Marketplace next year.

Plans and premiums can change from one year to the next, so it is smart to shop each year. You might choose to stay with your current plan, or you might decide another plan better fits your needs and budget.

If you do nothing until shortly before the deadline, the Marketplace will automatically re-enroll you in a your current plan if it is still available. If your current plan is not available and you have not enrolled in a different one, the Marketplace will enroll you in a plan that is similar. However, do not wait to be automatically re-enrolled. Your current plan may no longer suit your needs, and it may cost more than a better option. It’s better to actively shop and enroll before the deadline.

It is also important to update the Marketplace with your current income and family information, such as the number of people in your household, and any new offer of coverage through a job, Medicare, or Oregon Health Plan (OHP). Updating that information helps make sure you receive the right amount of financial help.