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Most of the big hosts have exclusive agreements with certain CAs that prevent them from offering free SSLs through Letsencrypt. They will usually install a cert for you, sometimes for a fee, but never in an automated way, so even if you are using Letsencrypt, you'll need to open a ticket / pick up a phone every 90 days. You can't just write a cron and quit worrying about it, which is the central value proposition for LetsEncrypt/ACME as far as I'm concerned.

Get off namecheap. They got big by standing up to GoDaddy, but their prices are just as bad now. As you said, they make money through their SSLs.com so they will never support LE. They became the villain.

I use Namecheap too. Which host would you consider switching too?

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