(HealthDay News) — The Affordable Care Act marketplaces are now gearing up for a new challenge: persuading Americans who slogged through last year’s troubled open enrollment to renew their coverage.

This year’s enrollment period kicks off Nov. 15. Current enrollees will have until Dec. 15 to pick a plan and update their financial information if they want coverage under a different plan come Jan. 1.

If they don’t meet that deadline, most people will be automatically re-enrolled in their current health plan, according to the U.S. Centers for Medicare & Medicaid Services, the government agency that manages the federal HealthCare.gov marketplace. There will also be auto-renew options in most state marketplaces.

Newcomers, however, will have no coverage by Jan. 1 if they do not choose a plan by Dec. 15.

Learn more from the CMS about navigating Healthcare.gov.