Is there any reason the Marketplace wouldn’t automatically adjust and continue my premium tax credit at renewal time?

Yes. If you live in a state that uses HealthCare.gov, when you first applied for coverage, you had the opportunity to authorize the Marketplace to check online income data about you, including from your tax returns, for another 1 to 5 years. If you did not authorize this, your financial assistance will NOT be automatically continued for next year and you will have to re-apply for financial assistance in order to keep receiving it.

If you live in a state that runs its own health insurance Marketplace, the process for renewing financial assistance may vary, but all state Marketplaces will send consumers notices prior to the start of Open Enrollment explaining the process for continuing or re-applying for financial assistance for the coming year.