What to Know for 2026 If You Have a $0 Premium Plan

If you’ve been enjoying a $0 monthly premium through your Marketplace health plan, there are important changes coming in 2026 that could affect your plan, premium, and coverage.

Here’s what you need to know and how Catch Health can help you stay protected without the stress.

$0 Premium Plans Will Not Automatically Renew

In 2026, Marketplace rules are changing. If your plan currently costs $0 each month, it will not automatically renew for the new year.

That means if you don’t take action during Open Enrollment, your coverage could end on December 31, 2025.

To stay insured, you’ll need to actively review and renew your plan. Catch Health can handle this for you. We’ll walk you through your renewal over the phone, confirm your eligibility, and help you choose the most affordable plan for 2026.

💡 Tip: Don’t wait until the deadline. Calling early helps you avoid a coverage gap and ensures your new plan starts January 1, 2026.

You May Have to Pay a Small Premium in 2026

Over the last few years, temporarily enhanced premium tax credits made it possible for many people to pay $0 per month. Those extra subsidies are set to expire at the end of 2025 unless Congress extends them.

That means even if your income and household size haven’t changed, you might have to pay a small monthly premium in 2026.

The good news? You may still qualify for financial help, and our team can make sure you’re getting every dollar you deserve to keep your costs as low as possible.

Update Your Income and Household Information

Your subsidy amount is based on your income, household size, and where you live. If any of that has changed, you’ll need to update your Marketplace application during Open Enrollment.

Failing to update your details could cause problems later, such as higher premiums or repayment issues at tax time. Catch Health can handle this for you during your renewal call quickly, easily, and free.

Renewal Dates to Know

• Enroll by December 15, 2025, and your coverage starts January 1, 2026.

• Enroll between December 16, 2025, and January 15, 2026, and your coverage starts February 1, 2026.

Even if you’ve had a $0 plan this year, you’ll need to reselect your coverage for 2026. Catch Health can help you compare options, confirm your subsidy, and complete your renewal in minutes.

Catch Health Makes It Simple

Here’s how we can help you keep your coverage active and affordable:

• Review your plan options for 2026

• Update your income and household details

• Confirm your new subsidy amount

• Help you find the lowest-cost plan available

• Ensure your coverage starts on time

Our licensed agents handle the hard part for you, no guesswork, no long forms, no surprises.

The Bottom Line

If you currently have a $0 Marketplace premium, it’s essential to take action this Open Enrollment. You won’t be automatically renewed, and you may need to pay a small premium next year. But with Catch Health, it’s easy to stay covered and keep your plan affordable.

We’ll help you update your information, confirm your savings, and make sure your coverage continues without interruption.

Open Enrollment runs November 1, 2025, through January 15, 2026.

📞 Call Catch Health today at (888) 280-4869 to renew your plan and stay covered for 2026.