I have coverage right now and I want to keep my plan. Do I still have to re-apply on Healthcare.gov for 2026?

Technically--if you don't do anything, you'll be re-enrolled in the same (or most-similar plan) for 2026 if you do nothing as long as the plan is not being discontinued.

However, we highly recommend that update your information and review any new plan information. In order to receive an updated subsidy amount (and not just the same amount from last year) you'll need to re-apply and update your income, even if you just want to pick the same plan. 

If you need assistance (or just want one of our licensed agents to just do it for you for free) you can re-apply through our site, ihealthagents.com or you can contact us by phone, secure helpdesk or email, or by live chat and we can update your application in about 30 seconds. All we need is your name, state, date of birth and your updated income amount. It's really that easy!