The first big milestone in the ACA Open Enrollment period is next Thursday night. If you want coverage that starts on January 1, 2023, you need to select your plan by 11:59PM local time. You’ll then have two weeks to make arrangements to make the first payment if you either choose a non-zero premium plan or you choose a different insurer or you transition from a zero premium plan to a not zero premium plan at the same insurer.
One of the critical things that people who are currently enrolled SHOULD DO is actively go into the Healthcare.gov or state marketplace account and make an active choice. Insurers are currently in the process of mapping current enrollee to 2023 plans or already placed people into default 2023 plans depending on the state you’re in. These defaults, in most states, are fairly crude matches that don’t take into account premium or other comprehensive revealed preferences.
So look around even if you’re pretty happy with your plan and your premium this year. An automatic default plan might not have the same premium next year as it does this year. Sometimes it will be cheaper. It may be more expensive; occasionally a lot more expensive (manuscript under development right now). So look around!