Even if you like your current coverage, it is strongly advised that you take steps to actively renew it during Open Enrollment (OE).

If you are receiving a premium tax credit, when you actively renew you can also update your income and family information and see how much tax credit you may be eligible for based on the new premiums for the coming year. Even if your circumstances have not changed, new insurers might join the Marketplace or expand their service areas, which could affect the amount of subsidy available for your plan next year.

A new federal rule requires every state’s OE to begin on November 1, with the exception of Idaho—their OE starts on October 15. In most states, OE ends January 15. The following states have different OE end dates:
ID: Dec. 16
MA: Jan. 23
CA, DC, NJ, NY: Jan. 31
RI: Feb. 28 (extended for 2025 due to special circumstances, but normally ends Jan. 31)
VA: Jan. 22

If you don’t take any action by December 15th, in most cases the Marketplace will automatically renew your coverage for the coming year starting on January 1. For the 2025 OE period, however, this deadline has been extended to midnight local time on December 18th in HealthCare.gov states. If your current plan will no longer be available next year, you will be automatically enrolled in a different plan and the Marketplace will notify you. You have until the end of the open enrollment period to make changes to your health insurance plan.