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Upcoming Member Emails About 2026 Payment Changes Hitting Inboxes Soon

Dec. 10, 2025

(Applies to Individual & Family Markets)

To help prepare members for higher payments in 2026, three targeted emails will be sent in the upcoming weeks. These messages are designed to reduce surprise and encourage members to reach out to you for any questions they may have.

The first premium payment is required to effectuate coverage for Individual & Family Markets qualified health plans. Below is an overview of each email so you know what your clients may receive and how to support them.

2026 Bill Going Up

This email goes to members whose coverage payment will increase next year.

  • Acknowledges that the higher payment may be unexpected.
  • Confirms the new payment amount will be automatically drafted from the saved payment method on file on Dec. 31, 2025.
  • Encourages the member to reach out to Customer Service if they have questions or want to explore other affordable plan options that may be available.
  • Requires all plan changes be made by Dec. 15, 2025, for the updated payment to be reflected on the new bill.

Auto Bill Pay

This email goes to members who are currently enrolled in auto bill pay and have a $0 payment, but because of the subsidy loss will have a payment in 2026.

  • Alerts members they will have a payment auto drafted from their bank account due to the loss of subsidy on Dec. 31, 2025.
  • Aims to prevent payment shock when the first draft occurs.
  • Encourages members to reach out to Customer Service if they have questions or want to explore other affordable options that may be available.
  • Requires all plan changes be made by Dec. 15, 2025, for the updated payment to be reflected on the new bill.

Payment Change

This email goes to members who have lost subsidies and will have a new, higher payment in 2026.

  • Notifies members due to a change in financial assistance or a rate adjustment, their plan’s monthly payment is changing.
  • Reinforces that this update is effective for 2026.
  • Encourages members to reach out to Customer Service if they have questions or want to explore other affordable plan options that may be available.

Your clients may contact you if they receive an email. Being aware of the messaging will help you guide your clients and answer questions with confidence.