2027 ACA Health Insurance Renewal Notices: How Agents Can Prepare Clients Before Auto-Renewal

In short: Affordable Care Act (ACA) health insurance renewal notices from the Marketplace show each client’s 2027 plan, premium, cost-sharing changes and estimated subsidy. Many clients will see higher premiums because the enhanced subsidies ended and carriers raised rates. Agents should contact every ACA client, review the notice, update income and compare plans before auto-renewal. Open Enrollment runs November 1, 2026, through January 15, 2027, for HealthCare.gov states and Georgia Access.

Every fall, ACA clients receive a renewal notice from the Marketplace or their carrier. Many glance at it and set it aside. This year, that’s risky.

Premiums are up for many households, and subsidies may be lower. A client who lets their plan auto-renew without a review could pay more than they need to, or face a tax bill later. Your outreach now can prevent both.

What Does a 2027 ACA Renewal Notice Show?

Walk clients through each part of their notice:

• The plan they’ll be renewed into. It may be the same plan or a similar replacement if their plan is discontinued.
• The new monthly premium, before and after the estimated subsidy.
• Changes to deductibles, copays and the out-of-pocket maximum.
• The estimated premium tax credit, based on the income they last reported.
• Whether they’ll be auto-renewed if they take no action.

Why Are So Many Clients Seeing Higher Premiums?

Two main reasons:

1. Enhanced subsidies ended after 2025. Many households now get less help, and those above 400% of the federal poverty level get none.
2. Carriers raised rates. Many carriers filed sizable increases for 2027.

Explain this calmly and clearly. Clients are less upset when they understand why and see that you have a plan. Our post on ACA subsidies for 2027 covers the details.

How Should I Review a Renewal Notice With a Client?

Use the same steps with every household:

1. Confirm income and household size. New jobs, raises, marriages and births all change the subsidy. With no cap on repaying excess subsidies, accuracy matters.
2. Check doctors and hospitals. Networks change every year.
3. Check prescriptions. Confirm each drug is still on the formulary and at what tier.
4. Compare metal levels. A different Bronze, Silver or Gold plan may fit better now.
5. Show total yearly cost, not just premium. See our guide on explaining deductibles, copays and coinsurance.
6. Document the conversation and the client’s decision in your CRM.

What Are the Key Dates for 2027 Coverage?

Virginia and other state-run exchanges may set different dates, so confirm with each state.

How Can I Reach Every ACA Client in Time?

Open Enrollment overlaps with Medicare’s Annual Enrollment Period, which ends December 7. A few tips:

• Segment your book. Contact clients with the biggest premium changes first.
• Book reviews early, ideally in the first two weeks of November.
• Send a short heads-up that notices are arriving and you’ll review them together.
• Use the post-AEP weeks. December 8 through January 15 is valuable time for ACA reviews.

For more on juggling both seasons, read adding ACA health insurance to your Medicare book.

How Does Lourie Agent Partners Help Agents During Renewal Season?

Renewal season is busy. Our team helps you keep up:

• Free enrollment and CRM software through myLourie to track renewals, income updates and follow-ups. See our free enrollment and CRM software.
• Extended support hours during the busy season, plus help during live appointments.
• Timely updates through our weekly “The Latest from Lourie” email and bi-weekly partner calls.
• Direct carrier appointments, with commissions paid directly to you and full vesting from day one.

Frequently Asked Questions

Make Every Renewal a Review, With a Team Behind You

Clients remember the agent who called before the surprise. Let us help you reach every client this season. Get contracted with Lourie Agent Partners or call (803) 256-2067.