In this article we will cover:
Renewals tab
You have access to a Renewals tab within the Clients page of your HealthSherpa for Agents account. This Renewals tab is designed to help you prioritize your renewal book so you can maximize efficiency during OEP.
The Renewals tab displays your full client list and dynamically updates when changes take place. Here, you will find clients who are at risk of not renewing, losing their subsidy, experiencing a significant crosswalk change, and more.
At the top of the tab there are callouts calculating the number of enrollments in each renewal status. These callouts can also be used to quickly filter the list to show only clients with that status.
You may leverage dropdown filters and the available search bar should you like to review specific data. Note: The search bar allows you to search by first or last name.
Columns included in the Renewals tab consist of:
Client: This is the primary applicant's name. At this time, the Renewals tab does not include enrollments with multiple enrollment groups.
Renewal status: Indicates the status of the applicant's renewal associated with the selected plan year. Renewal statuses that display include:
Coverage at risk: If the client takes no action they may lose coverage for the upcoming plan year
Subsidy at risk: If the client takes no action they may lose all/part of their subsidy for the upcoming plan year
Coverage changes: If the client takes no action they may see a change to their coverage for the upcoming plan year
Premium changes: If the client takes no action they may see an increase in their premium for the upcoming plan year
Same coverage/premium: If the client takes no action they will have the same coverage and premium for the upcoming plan year
Actively Renewed: This client has been actively renewed
Renewal follow-ups: These are factors that expand on the renewal status listed for your client. Renewal factors include:
$0 premium: The client has a $0 premium plan and may be at risk of a $5 monthly premium if not actively renewed
Auto-renewal turned off: The client opted out of BAR and will not renew passively
No plan provided: The client’s current plan is no longer being offered and a crosswalk plan is not available. The client will not renew passively.
Tax return access denied: CMS does not have access to the appropriate IRS documents (tax documents could also be missing or expired) for the client, which will result in a loss of subsidy
Plan change: The client is being crosswalked to a new plan with their current carrier
Carrier change: The client is being crosswalked to a new plan with a new carrier
No plan change: The client will remain on the same plan with the same carrier, although benefits, network, and formulary may still adjust
Will not file taxes: Within the application, the client indicated they do not intend to file taxes
Failure to reconcile APTC: CMS indicated the client did not reconcile their APTC
Carrier exit: The client is currently covered by a carrier that will be exiting the ACA marketplace
Premium increase: If the client's income and household are the same as last year’s, client's current or crosswalked plan will have a significantly higher premium next year than what the consumer pays currently
Loss of $0 premium: The client has a $0 premium plan and will experience a premium increase if the client's income and household are the same as last year’s
Action: This column allows you start an active renewal directly from the Renewals tab. You may also view the consumer's client's details or hide/unhide the consumer from view. Note: Once you begin a renewal application for a client, the ‘renew now’ button will no longer be available. To resume a renewal application that has already begun, go to the client details page.
Coming soon! Leverage the the 'Bulk email clients' button to send renewal quote review emails to multiple consumers at once. You can use the filters on your Renewals tab to select which consumers you'd like to share the renewal with prior to selecting the 'Bulk email clients' button. Learn more about the 'Bulk email clients' renewal pathway here.
Exporting your contact list
You may export your renewals at any time by selecting the ‘Export contacts list’ button.
The export will reflect any filters you may have in place within the tab.
Fields included in this export include consumer’s name, contact information & FFM application ID. For more information, view the export legend here.
Frequently asked questions
What is an active renewal?
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, brokers, and other authorized representatives may assist consumers with active renewals. Learn more about active renewals here.
What is a passive renewal?
Passive renewals are designed to ensure consumers have an opportunity to maintain uninterrupted coverage, even if they take no action during OEP. Passive renewals are designed to be a “safety net” so that consumers can maintain coverage, but it is always best practice to reach out to your client and actively renew. Learn more about passive renewals here.
What does "Crosswalk" mean?
CMS automatically "crosswalks" consumers to new health plans when:
The consumer's current plan is discontinued for the upcoming plan year and a close plan equivalent exists
OR When a carrier will no longer offer plans where the consumer resides for the upcoming plan year
Consumers who have opted out of BAR will not be crosswalked and therefore will not passively renew.
What is BAR?
BAR stands for Batch Auto Re-enrollment. BAR is a process used by Marketplaces to ensure consumers who are currently enrolled in Qualified Health Plans (QHPs) who 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. Learn more about the BAR process here.
How does CMS prioritize BAR for consumers?
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 CMS’ BAR processes in later waves.
CMS considers the most recent plan effective date for consumers during these waves.
What does the “Do not auto-renew this plan for [upcoming plan year]” button within a Client’s details page do?
Selecting the “Do not auto-renew this plan for [upcoming plan year]” button 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 cancelled by CMS.
Checking 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.
If the agent checks the box after CMS has performed BAR for the consumer, a new FFM application ID for the upcoming plan year will be visible; however, the plan selected by CMS will be canceled once CMS processes the consumer’s decision to opt-out of BAR. CMS may take days or weeks to process a consumer’s decision to opt-out of BAR.
If an agent checks the box but cannot find an FFM application ID for the upcoming plan year, then the box was selected before CMS began BAR for the consumer.
Note: The “Do not auto-renew this plan for [upcoming plan year]” button only appears just before the annual Open Enrollment Period (OEP) and remains live through 12/31.
Additional Resources
Have questions? Contact our Agent Support Team at (888) 684-1373 or agent_support@healthsherpa.com.
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