Before renewing, review what changed.
Prepare notices, household updates and a comparison for the new coverage year.
Read next year’s notices
Review insurer and Marketplace notices about availability and changes. Keeping the same brand does not necessarily preserve premiums, networks or benefits. Keep the new plan’s documents.
Update the application and compare
Review expected coverage-year income and household changes in the official application. HealthCare.gov announces 2027 applications starting November 1. Check your state’s applicable calendar and confirm the steps for your start date.
Bring a priority list
List doctors, prescriptions, expected services and budget. Use the A/B worksheet with plans from the same year. For a local Puerto Rico policy, confirm renewal terms and procedures directly; this update does not apply Marketplace rules there.
Use the guide in your next conversation
Open the practical resourceUnderstand this coverageOfficial sources
Educational information. Availability and conditions depend on the product, residence and policy. Confirm your case with the appropriate insurer or platform.