I am covered in a Marketplace health plan now but I am behind on my premium payments. If I don’t actively renew my policy but the Marketplace auto-renews me in the same plan, and if I at least pay my January premium, will that ensure my coverage remains in effect for next year?

Yes, your insurer must accept your January payment to start your coverage for next year and your payment for January 1 cannot be applied to the back-due premiums you owe. Insurers are not allowed to require people who owe back-due premiums from the past 12 months to repay the premium debt before they will renew coverage for another year. Whether you actively renew or auto-renew, the process will work the same way.Keep in mind that insurers are allowed to cancel your coverage if you don’t pay premiums. In most cases, if you fall behind, the insurance company is required to offer you a 3-month grace period to catch up on back-due premiums. The insurer must continue to pay your claims during the first month of that grace period. If you haven’t caught up on premium payments by the end of the grace period, the insurer can cancel your coverage retroactive to the first day of the second month of the grace period and deny claims that you submitted during months 2 and 3 of the grace period.