WASHINGTON (AP) — People who have health insurance on their jobs usually don't think twice about next year's renewal.

But if you are in one of the new plans under President Barack Obama's health law, that assumption could lead to costly surprises.

Industry officials, advocates and other experts say insurance exchange customers who opt for convenience by automatically renewing their coverage for 2015 are likely to receive dated and inaccurate financial aid amounts from the government.

If those amounts are too low, consumers could get sticker shock over their new premiums. Too high, and they'll owe the tax man later.

To avoid potential problems, consumers should update their personal information and plan choices with HealthCare.gov after open enrollment starts Nov. 15.