Every year your health plan comes up for renewal. It's tempting to let it roll over — but plans change every year, sometimes in ways that cost you. A short review before the deadline can confirm you're still in the right plan, or catch a problem while there's still time to fix it.
This guide gives you a step-by-step process. If you'd rather have a licensed agent do it with you, you can request a free plan review.
Gather your renewal documents
Before you can compare anything, you need to know exactly what next year's plan looks like. Insurers and the Marketplace send renewal information ahead of open enrollment.
Your renewal notice
The renewal notice tells you which plan you'll be enrolled in next year and what it will cost. Look for:
- the plan name (it may differ from this year's if your plan was discontinued),
- next year's monthly premium, and
- the deadline to make changes.
Next year's Summary of Benefits and Coverage
The Summary of Benefits and Coverage (SBC) is a standard document that lists a plan's costs and coverage in the same format for every plan. Compare next year's SBC side by side with this year's.
Your Marketplace account (if you have one)
If you get financial help through the Marketplace, log in and check that your income and household information are current. Your help is recalculated each year.
| Document | Where to find it | What to look for |
|---|---|---|
| Renewal notice | Mail or email from insurer / Marketplace | Plan name, premium, deadline |
| Summary of Benefits and Coverage | Insurer website or renewal packet | Deductible, copays, out-of-pocket max |
| Provider directory | Insurer website | Your doctors for next year |
| Drug list (formulary) | Insurer website | Your prescriptions for next year |
Frequently asked questions
When should I review my plan?
As soon as you receive your renewal notice, and before the open enrollment deadline. That gives you time to compare and switch if needed.
Can you review my plan for me?
Yes. A licensed agent can go through your renewal notice with you and compare other options at no cost to you. Request a free plan review on our renewal page.