Do I Have to Renew My Health Plan Annually?

Does my insurance have to be renegotiated every year? in 2014 I carried a Gold Health Alliance policy in Illinois. Without my knowing Jan 2015 my policy was changed to a much higher deductible policy. I only found out this happened in the middle of January 2015 when I received new insurance cards. I was admitted to the hospital Jan 3rd with Influenza A and pneumonia. After finding out my policy had been switched I called the Illinois marketplace to go back to my Gold Health Alliance policy. I am now having to pay out 4000.00 out of pocket with none of that amount going towards the deductible because I corrected the policy. Health Alliance and the Illinois Marketplace do not take responsibility for the change of policy as of Jan 2015. I feel there is a major flaw in the system . My hope is that you may be able to help me get some answers.

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I am currently enrolled in Obamacare. Do I have to re-new or re-enroll in the Obamacare portion of my insurance each year?
Thank you, Ron


Yes, you could need to re-enroll or confirm your enrollment. Everyone should go to the site at least once during open enrollment to make sure everything is in order. This is even true for accounts that are auto-renewed.

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