Yes, HHS finalized some important changes to the auto-renewal process that took effect in the fall of 2023, for coverage effective in 2024. Some additional changes have been finalized for 2025, related to automatic re-enrollment into a non-catastrophic plan when a person has catastrophic coverage that will either not be available for the coming year or for which the person will no longer be eligible.[efn_note]”Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2025; Updating Section 1332 Waiver Public Notice Procedures; Medicaid; Consumer Operated and Oriented Plan (CO-OP) Program; and Basic Health Program” U.S. Department of the Treasury; U.S. Department of Health and Human Services. April 2, 2024.[/efn_note] Under pre-2024 rules, if a person’s plan continued to be available in the exchange and the person did not return to the exchange to actively renew it or select a new plan, the existing plan was automatically renewed for the coming year. And if the enrollee’s plan would no longer be available, the automatic re-enrollment protocol involved moving the person into a plan at the same metal level and product type (HMO, PPO, EPO). But starting with the 2024 plan year, eligibility for cost-sharing reductions (CSR) and provider networks is also taken into consideration. Specifically: If a person is eligible for CSR but enrolled in a bronze plan that will continue to be available, the auto-renewal process will switch them to a silver-level plan (with CSR benefits) if one is available with the same provider network and product type, and with equal or lesser premiums after the premium subsidy is applied. This bronze-to-silver crosswalk change is being implemented because bronze plans do not include CSR benefits, and people who are CSR-eligible will have lower out-of-pocket costs with a silver-level plan, if and when they need medical care. This protocol will be used by HealthCare.gov, but it will be optional for state-based marketplaces (CMS notes that some state-based exchanges, including those in Massachusetts and California, had already adopted similar auto-renewal approaches). If a person is eligible for CSR and enrolled in a bronze plan that will no longer be available for the coming year, the automatic re-enrollment process can follow the same protocol, moving the person to a silver-level plan with the same network and equal or lesser premiums. But if a silver plan with the same network is not available, the person can be auto-enrolled into a bronze plan with the same network, if available. If a person is not eligible for CSR, the current auto-renewal process will continue to be used, with the addition of network considerations: If their current plan continues to be available, it will be automatically renewed. If not, they will be automatically re-enrolled into a plan at the same metal level, same product type, and most similar network.