Health care reform
The Department of Health and Human Services (HHS) has proposed a rule to automatically re-enroll existing federal Marketplace consumers for plan year 2015 during the upcoming enrollment season. State exchanges may follow this approach, or propose another.
HHS sees automatic renewal of existing Marketplace health coverage as a way to manage the burden on the Marketplace system, while making it easier for consumers who wish to keep their plans. Under the proposed rule, consumers would be re-enrolled in their current plans unless they opted to shop for a new plan. They would still be able to use the Marketplace at any time to update personal information.
What about tax credits?
To help make sure consumers receive the appropriate tax subsidy, HHS proposed the following process for 2015:1
This approach is for the federal Marketplace. State exchanges may follow this approach, or propose another.
If the rule is implemented, people who already have a Qualified Health Plan through the Marketplace will be re-enrolled in that plan each year automatically — similar to the process used for most other health plans. However, consumers can still shop for another plan and make changes.