Renew Your Benefits
Open Enrollment is Saturday, November 1 through Thursday, January 15
Renew Your Plan or Pick a New Plan
Do you want to renew into your current CareSource renewal plan?
Yes, I want the plan described in my renewal letter. You can use our secure, private enrollment portal to update your application and renew your plan. Even if you haven’t used it previously, you can quickly create an account and locate your application. Get step-by-step guidance below.
You can also get help from your broker or CareSource (1-844-539-1733, TTY:711) or re-enroll through the Marketplace.
No, I want to pick a different CareSource plan. You can review all our plans and plan documents for your state here at CareSource.com/marketplace/. To see pricing, you can go to our enrollment portal to shop and compare CareSource plans.
Whether you re-enroll in your current plan or pick a new plan, you should update your application to ensure you are charged the correct premium amount. This will avoid any end-of-year tax implications.
- Update your application and renew your plan HERE for a fast, easy renewal.
- Call your agent or broker.
- Call us for help at 1-844-539-1733, 8 a.m. to 8 p.m., Monday – Friday, ET.
- You can also renew at Healthcare.gov.
We are here to help you, every step of the way!
Remember, all CareSource Marketplace plans offer great benefits:
- $0 Preventive Services
- Free 24-Hour Nurse Advice Line
- $0 Cost Teladoc Telehealth Program*
- $0 Chronic Care Services on specific plans
- No Referral to See a Specialist
- Mail Order Pharmacy
- Urgent Care Coverage
- Mental Health and Substance Use Disorder Treatment
- Smoking Cessation Help
- Care Management and Coordination
- Rewards for Healthy Activities
- Digital Tools for Healthy Living
- CareSource Life Services including JobConnect
- Convenience Care Retail Clinics
* $0 Cost Telehealth program begins after deductible for members with HDHP Silver or HSA Eligible Bronze Plans.
Step-by-Step Renewal Process:
Follow these steps to see your current Marketplace plan for a faster and easier renewal experience:
- Access our Enrollment portal account login screen by scanning the QR code in your renewal letter or click here.
- Login to your account or click Sign Up, enter your email address, and assign a new password.
- You will be asked to verify your identity as a requirement of Healthcare.gov
- Answer the verification questions on our secure site. This information is needed to find your Healthcare.gov application.
- If your application is found and matched, you will see the “Account successfully connected” screen.
- Click the View My Dashboard button to review your information and renew with the click of a button.
- If your application is not found, you will see “Lets find your coverage” and options to either search for your application or shop for health insurance.
We are here to help! Call us at 1-844-539-1733 (TTY: 711) if you need help with this process or with renewing your Marketplace plan.
Marketplace Changes
The Centers for Medicare and Medicaid (CMS), who control the Marketplace, made some significant changes to Marketplace rules and regulations that you should be aware of.
| Changes to the ACA | Impact to Enrollees | Actions to Take |
|---|---|---|
| Loss of Enhanced APTCs and impact to member premiums | Increased subsidies that have lowered premium costs since 2021, are set to expire at the end of 2025 unless congress acts. This will result in significantly increased premium costs for most consumers. | For enrollees who may lose APTC eligibility, explore alternative savings options. Consider an Off-exchange plan for premium savings or an HSA qualified plan, including all bronze plans, for tax advantaged savings on your care. Contact your agent or CareSource at 1-844-539-1733 to learn more. |
| Allows Health Savings Accounts with all Bronze Plans | All Bronze health plans can now be paired with a Health Savings Account. | Call your agent or CareSource at 1-844-539-1733 to learn more about the benefits of a Health Savings Account. |
| Elimination of the Low-Income SEP | Previously, enrollees with income at or below 150% of the Federal Poverty Level could enroll in or switch ACA marketplace plans anytime without prior coverage. However, Marketplaces can no longer offer a Special Enrollment Period (SEP) based solely on income; another triggering event is now required. | Do not wait to enroll in health coverage, because financial changes alone will not qualify an enrollee for a Special Enrollment Period. Contact CareSource at 1-844-539-1733 to learn more. |
| Less time to Resolve Data Matching Issues | Marketplaces will no longer grant automatic 60-day extensions to resolve income inconsistencies. Marketplaces may only grant extensions to the 90-day period to resolve income inconsistencies if requested, and on a case-by-case basis. | Extensions are not guaranteed, please read all notices from the Marketplace and respond to requests for verification by the deadline. Being proactive and submitting documentation timely will help avoid any disruption to your health insurance coverage. |
| APTC Repayment Limits are Eliminated | Marketplace enrollees whose actual annual income is higher than their projected income will be required to repay ALL of the excess APTC they receive. | Accurately projecting your income during enrollment is essential. It is also valuable to review your income throughout 2026 to ensure it aligns with your initial projection. If there are mid-year changes to your income, update your Marketplace account to adjust your subsidy amount. It will help you avoid repaying excess APTC when filing your 2026 tax return. |
| DACA Recipients are now Ineligible for Marketplace Coverage | DACA recipients will no longer be eligible for marketplace coverage. | Explore alternative savings options. Consider an Off-exchange plan for premium savings or an HSA qualified plan, including all bronze plans, for tax advantaged savings on your care. Contact your agent or CareSource at 1-844-539-1733 to learn more. |
| Eliminates APTC eligibility for lawfully present immigrants | Lawfully present immigrants with income below 100% FPL who are ineligible for Medicaid because of their immigration status will no longer be eligible for APTCs. | Look beyond premiums. Compare total costs, including deductibles, copays, and what’s covered. Explore alternative savings options. Consider an Off-exchange plan for premium savings or an HSA qualified plan, including all Bronze plans, for tax advantaged savings on your care. Contact your agent or CareSource at 1-844-539-1733 to learn more. |
| Maximum Out of Pocket Limit changes | Under new methodology for calculating the premium adjustment percentage, the maximum-out-of-pocket limit (MOOP) for 2026 plans will increase from $9,200 to $10,600 for individual coverage and from $18,400 to $21,200 for family coverage. | Review the changes to your benefits and ensure you are picking the plan that best meets your needs. |
| Prohibits Gender Affirming Care from inclusion in Essential Health Benefits | The ACA will no longer include gender-affirming care as an Essential Health Benefit. * Some states can still require plans to cover gender-affirming care but will need to defray the cost themselves. | |
| Eliminates Bronze to Silver Reenrollment Crosswalk | Enrollees eligible for cost-sharing reductions, who are enrolled in a Bronze plan, and who do not actively select a new plan during open enrollment will be automatically re-enrolled into a Bronze plan. | If you are enrolled in a Bronze plan, contact your agent or CareSource at 1-844-539-1733, to explore Silver plans that may have the same provider network, and the same or lower premiums (after accounting for APTCs). |
| *On August 22, 2025, the Federal Court postponed the effective date for the below Marketplace Integrity Rule Provisions. Items below in bold with an * will NOT take effect 1/1/2026.They will not take effect until there is further legal action. This page will be updated as new information becomes available. | ||
| *A $5 monthly fee for formerly fully subsidized enrollees | Enrollees whose APTC covers the full cost of their premium, who do not actively re-enroll in coverage by December 15, will be charged $5 per month until they update their information with the Marketplace. | Auto enrolled members should update their applications early through our enrollment portal. Do not wait until the end of the Open Enrollment Period or rely on passive enrollment. |
| *Additional Income Documentation Requirements. | Enrollees must now submit income verification if tax data is not available, replacing the previous self-attestation option. Additionally, if enrollees attest to income that would make them eligible for APTC, but federal databases indicate an income below 100% FPL, they must also provide income verification. | Read notices from the Marketplace and respond to requests for verification by the deadline. |
| *Past Due Premium Payment Required | The option for Marketplace issuers to require enrollees to pay past-due premiums has been reinstated. An enrollee must satisfy past due premiums before they can effectuate new coverage. There are no limits on the lookback period. | To ensure timely payment of premiums, consider signing up for automatic monthly payments. Enroll in autopay on CareSource MyLife. Need help? CareSource Member Services can assist by guiding you through the MyLife autopay set up at 1-833-230-2099 (TTY: 711). |
| *Return to One Year Failure to Reconcile process | Members will be ineligible for APTC if the applicable tax filer did not file, or filed but did not reconcile past APTCs for ONE tax year. Members will remain enrolled and be responsible for the full premium until the prior APTC has been reconciled. This will affect people who failed to reconcile APTC in tax years 2023 or 2024. | File your taxes for the impacted coverage years as soon as possible. |
| *Additional Verification for commonly used Special Enrollment Periods (SEPs) | Enrollees will be required to upload documentation within 30 days of picking a plan to prove that they are eligible for the following SEPs:
A person’s coverage will not begin until they have completed the verification process. | Read notices from the Marketplace and respond to requests for verification by the deadline. |