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Agents have several renewal pathways available in the HealthSherpa account to help consumers renew coverage.

HealthSherpa will announce plan year 2027 renewal pathways once available.

In this article we’ll cover:

Renewal pathways are not applicable for HealthSherpa Enrollee Assistance Full-Service account types.

Active renewals happen when a consumer updates their Marketplace application during the Open Enrollment Period (OEP) and selects a plan. Passive renewals happen automatically when a consumer takes no action and remains eligible for automatic re-enrollment.

An active renewal takes place when a consumer updates their Marketplace application during the annual Open Enrollment Period (OEP) and selects a new plan for the upcoming plan year. With consent, agents can assist consumers with active renewals.

The National Producer Number (NPN) associated with the most recent version of a consumer’s active application for the current plan year will automatically carry over to the new plan year. Active renewals are encouraged to help ensure NPN accuracy.

OEP is the consumer’s opportunity to make any necessary updates to their plan & confirm they have suitable coverage for the upcoming plan year. A consumer may need to update their plan selection for a number of reasons:

A passive renewal takes place by default for the upcoming plan year when all of the following items are true for the consumer:

To continue subsidy eligibility, the consumer must have provided relevant tax return access to Centers for Medicare & Medicaid Services (CMS).

Passive renewals are designed to help consumers maintain uninterrupted coverage, even if they take no action during OEP. When a passive renewal takes place, the Federally Facilitated Marketplace (FFM) will automatically re-determine the consumer’s subsidy eligibility & re-enroll the consumer into their current plan or the closest equivalent (also known as a crosswalk plan).

Passive renewals are designed to be a safety net so consumers can maintain coverage, but reaching out to the client and completing an active renewal is recommended.

With consent, agents can assist consumers with active renewals by following these steps.

Consumers can actively renew their coverage without agent assistance on HealthSherpa using any of the methods below.

CMS automatically crosswalks consumers to new health plans when:

Consumers who have opted out of Batch Auto Re-enrollment (BAR) will not be crosswalked and therefore will not passively renew.

Batch Auto Re-enrollment (BAR) is a process used by Marketplaces to ensure consumers who are currently enrolled in Qualified Health Plans (QHPs) and do not engage in new plan selection by the end of OEP retain coverage for the upcoming plan year.

BAR is a behind-the-scenes process that CMS begins in October each year and continues through December. Consumers may be included in the BAR process at any point during this time. CMS creates a new FFM application ID and selects a plan for the consumer, then sends this information to carriers to passively renew the consumer.

Consumers may choose to opt out of BAR.

CMS prioritizes BAR for consumers based on enrollment effective dates. Consumers with effective dates earlier in the year will likely be part of initial BAR waves, whereas consumers with effective dates later in the year may be part of later waves.

CMS considers the most recent plan effective date for consumers during these waves.

Passive renewals are not impacted by SSN requirements since passive renewals are handled by CMS.

No. With consumer consent, agents need to search & claim the new FFM ID associated with the consumer’s passive renewal to view this in the dashboard.

Because the OEP deadline for January 1 effective dates does not end until December 15, passive renewals are not visible to consumers or agents until after December 15. Agents should wait to search for passive renewals until after December 15 to ensure they can view passive renewal information.

If an agent searches for consumers prior to December 15 that they believe passively renewed and they see renewal data, this means the consumer actively renewed or someone else actively renewed the consumer.

Unchecking the Auto-renew this plan for [upcoming plan year] checkbox within a client’s Details page indicates the consumer wishes to opt out of passive renewal (BAR) for the upcoming plan year. If CMS has already started BAR for this consumer, the passive renewal will be canceled by CMS.

Unchecking this box will not impact a consumer’s coverage for the existing plan year.

An FFM application ID may be visible for the upcoming plan year if CMS has already performed BAR for the consumer:

The Auto-renew this plan for [upcoming plan year] checkbox only appears just before the annual OEP and remains live through December 31.

No. Unchecking the Auto-renew this plan for [upcoming plan year] checkbox will not impact whether the Invalid Action error message generates.

Consumers who do not make binder payments by January 1 for passive renewals will enter into a payment grace period.

If a consumer actively renews their coverage effective February 1 and, in the process, changes carriers or changes to a different product under the same carrier, then the consumer will likely not be required to pay the premium dollars owed for January in order to have coverage effectuate February 1.

If a consumer actively renews their coverage effective February 1 and, in the process, stays with the same carrier and remains in the same product line, then the consumer will likely be required to pay the premium dollars owed for January in order to have coverage effectuate February 1.

This may vary by carrier.

This may vary by carrier. Many carriers do not require consumers with $0 premium plans to have a credit card on file, but agents will want to reach out to the carrier to be certain.

Agents assisting consumers with off-exchange renewals should select the Renew button or begin a new application if the Renew button is not present.

The Bulk email clients button allows agents to send their selected email template to up to 5,000 consumers at once.

The plan comparison page is only available when starting a plan year 2026 renewal from a plan year 2025 application. If an agent searches & claims the 2026 application (the 2026 BAR application) to begin a plan year 2026 renewal, the plan comparison page will not display. The agent will experience the standard application flow.

When renewing consumers in Georgia for plan year 2026, agents will be prompted to search & claim the consumer’s updated 2026 application that has already been created by Georgia Access. These may appear as completed or enrolled applications when searching.

If an agent would like to view all available plans prior to updating the application, they may do so by using the Quoter.

Active renewals are encouraged to ensure NPN accuracy, provide consumers the opportunity to make any necessary updates to their plan, and ensure they have suitable coverage for the upcoming plan year.

Not necessarily. Marketplace plans may or may not remain the exact same each year. Consumers are encouraged to actively renew each year to ensure they are aware of any changes.

Messaging that consumers often find useful:

Consumers can actively renew their coverage by following these steps.

For help using HealthSherpa or for other assistance, contact Agent Support. Agent Support is available by phone at (888) 684-1373, by email at Agent_Support@HealthSherpa.com, or by chat directly from your account.