What if I don't renew my CoverME.gov plan for 2027?

Usually CoverME.gov renews you automatically. That is not the same as being on the right plan at the right price.

If you do nothing

If your plan is still offered, you are usually re-enrolled in it for 2027.
If your insurer discontinues your plan, you may be moved to a similar plan it chooses.
If your insurer leaves CoverME.gov, as Mending Health does on January 1, 2027, you cannot simply carry on. You must pick a new plan during open enrollment.

Rates rose about 14.8% on average for 2027, and much more on some plans. Last year's best plan may be this year's expensive one.
The enhanced subsidies ended after 2025, so many people pay more than they expect.
If CoverME.gov renews your credit on old income information, you can owe money back at tax time, and since 2026 there is no cap on repayment.
Doctors and drug lists change between years.

Read the renewal notice from your insurer: next year's premium and any plan changes.
Update your 2027 income and household on CoverME.gov.
Compare plans again: your doctors, prescriptions and the out-of-pocket maximum.
Choose by December 15 for coverage starting January 1.

We will run your renewal against every 2027 plan in about ten minutes, at no cost. Request a renewal check.

Will CoverME.gov renew my plan automatically?

Usually yes, if your plan is still offered. But your price, subsidy and plan details can change, so review it before December 15.

What happens to Mending Health members?

Mending Health leaves CoverME.gov on January 1, 2027. Members must choose a new plan during open enrollment.

What is the deadline to change plans for January 1?

December 15. Changes between December 16 and January 15 start February 1.

Checked October 2026. Sources:

Not legal or tax advice. Rules and prices change; if a number here affects you, call 207-631-3546 and we will check it for your household for free.

Want your own numbers? Get a free quote or call 207-631-3546.