Renewals first: how to protect your book in Open Enrollment 2027

In most seasons, automatic re-enrollment quietly keeps a large share of an agency's book in place. For 2027 coverage that safety net is weaker. Net premiums change when subsidies shrink, rates rise and eligibility rules move, and the client usually finds out when the first bill arrives.

Why renewals deserve their own plan this year

Automatic re-enrollment still exists for 2027, but it renews a plan, not a decision. A client who stays in the same plan may see a very different net premium. A client affected by the new immigration-based rules may lose credits entirely. A client with an outdated income estimate may face a repayment at tax time. Each of these is a retention risk and, above all, a service conversation.

Segment before you call

Start with the book you already have. Before November 1, group clients so the team knows who to call first:

A simple outreach sequence

1. 01October: a heads-up message explaining that prices and rules changed and that the agency will review the client's plan.
2. 02Early November: review appointments, starting with the price-shock and eligibility-risk segments.
3. 03Before December 15: a final push for everyone without a confirmed decision, so coverage starts on January 1.
4. 04December 16 to January 15: close the remaining cases, knowing coverage will start on February 1.
5. 05After the window: confirm effectuation and the first premium payment, and resolve pending documents.

Log every contact attempt and every decision on the client record. When a client asks in March why the premium changed, the answer should take seconds to find.

Where CRMDAY One fits

CRMDAY One syncs your HealthSherpa book, so renewals start from current data instead of an exported spreadsheet. The Open Enrollment orchestrator turns the book into a Kanban with an owner, a status and a next action for every client, and renewal sequences follow each client's preferred channel.