Where Your 2025 Marketplace Plan Went for 2026
When a Marketplace plan is discontinued, CMS decides in advance which 2026 plan each enrollee rolls into, and publishes the mapping. Claims rejecting on an unrecognised plan ID in January are usually this. Paste the 2025 plan ID and see the 2026 plan it maps to, the issuer, and the reason CMS gives for the change.
- 7,077Plan pairs in the 2025 to 2026 crosswalk
- 158,746Source rows, collapsed by ZIP and county
- Auto-renewalThe mapping used when nobody picks a new plan
- FreeNo login, runs in your browser
Why a plan ID stops working in January
Issuers retire plans every year. Rather than leave enrollees with nothing, CMS publishes a crosswalk mapping each discontinued plan to the closest surviving one, usually from the same issuer at the same metal level. That mapping drives automatic renewal for anyone who does not actively pick something else during open enrolment.
For a billing office the symptom arrives later. A patient presents in January with a card showing the old plan, or your system still holds the old ID, and the claim rejects on eligibility. The crosswalk tells you what the ID became without calling the payer.
Read the reason, not just the new ID
Each row carries the reason CMS recorded. Some plans crosswalk within the same issuer and only the plan number moved. Others move the enrollee to a different issuer entirely, which means a different payer ID, a different claims address and possibly a different network. The tool flags that case, because it is the one that changes where the claim goes.
No successor is a real answer
Some 2025 plans have no 2026 mapping at all. Those enrollees were not automatically renewed anywhere and had to choose actively or go uncovered. If a plan comes back with no successor, that is informative: there is no default plan to bill, and the patient needs re-verifying rather than assuming a rollover.
Sources and methodology
Source: the CMS Plan ID Crosswalk PUF for plan year 2026, published on data.healthcare.gov.
The published file carries one row per plan per ZIP and county, 158,746 rows in total. Because the mapping is almost always identical across every ZIP for a given plan, this tool collapses them to 7,077 distinct plan pairs and reports how many source rows each pair represents. Plan IDs, issuer IDs, metal level, crosswalk level and the reason text are reproduced exactly as published.
No Marketplace plan is scored, ranked or compared here. The tool reports the mapping CMS published and nothing beyond it.