Under which condition might a customer be automatically renewed but with their APTC/CSR removed?

A customer may be automatically renewed but have their Advance Premium Tax Credits (APTC) or Cost-Sharing Reductions (CSR) removed under circumstances such as failing to file tax returns, changes in household income, or having a household income below 100% of the Federal Poverty Level (FPL).

When individuals do not file their tax returns, they may not provide the necessary information to determine their eligibility for APTC or CSR, which could lead to the removal of these benefits during the renewal process. Similarly, if there's a change in household income that exceeds limits set for APTC or CSR eligibility, this could also result in losing these benefits upon renewal. Lastly, if a household’s income is less than 100% of the FPL, eligibility for APTC may be impacted, and they could lose those financial assistance options as well.

Therefore, in all these circumstances, which encompass different reasons for losing APTC/CSR eligibility, automatic renewal may still occur, but without these critical financial supports. This holistic understanding helps clarify why the correct assessment is that all presented scenarios could lead to the removal of APTC/CSR during automatic renewal.