Renew, change, update, or cancel your plan (2024)

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Renew, change, update, or cancel your plan

Notice:

Get health coverage now if you qualify for:

  • A

    A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

    Refer to glossary for more details.

    due to a life event or based on your income.
  • Free or low-cost coverage through

    Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.

    Refer to glossary for more details.

    or the

    Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.

    Refer to glossary for more details.

    .

Check if you qualify.

If you have Marketplace coverage, you can renew, change, or update your plan during Open Enrollment (November 1-January 15). Outside of Open Enrollment, you can change plans if you qualify for a

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Refer to glossary for more details.

.

Renew or change plans during Open Enrollment

Update your expected income and household information for the new year on your application, so you get the right amount of savings. Then compare available plans and renew your current plan (if available) or enroll in a different one that meets your needs.

Marketplace savings are based on your expected income for 2024 (not 2023). If you don't update your income and household information:

  • You could qualify formoresavings than you’re getting now.
  • You could qualify forlesssavings and have to pay money back when you file your federal taxes.

Take action:

  • By December 15: Update your information and enroll in a plan so your coverage with the correct savings starts January 1.

    If you don't act by December 15, you may be automatically re-enrolled for January 1 coverage — but you must update your information on your 2024 application to get the right amount of savings.

    In some cases, you won't be automatically re-enrolled. Enroll in a plan during Open Enrollment to keep Marketplace coverage for 2024.

  • By January 15: Open Enrollment ends. Update your information and enroll in a plan for coverage starting February 1.

You'll get letters about your coverage for the new year

By November 1, you should get 2 letters — one from your current insurance company and one from the Marketplace.

Together they tell you:

  • Whether your current plan is available for next year
  • Which plan (if any) you're matched with and will be enrolled in if you don't act by December 15
  • Any changes in your coverage and cost savings
  • If the Marketplace needs documents to confirm information on your application and how to send copies

Don't have your letters?

  • For your insurance company letter, contact your plan.
  • For your Marketplace letter, contact the Marketplace Call Center.

Learn more about letters sent during Open Enrollment.

Compare plans

Compare your current year's plan to the plan you're matched with and other available plans.

New, affordable plans may be available. Plans and prices change every year. Your situation may have changed, too. You may find plans with coverage and features that better meet your needs — especially if you had or expect income or household changes.

Pick the plan that best meets your needs.

Update or change plans outside of Open Enrollment

You can change plans if you qualify for a Special Enrollment Period. If you have a

A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

Refer to glossary for more details.

(like income or household changes), update your application so you get the right amount of savings and find out if you qualify.

Get details on reporting changes.

Learn about changing plans with a Special Enrollment Period.

Cancel your health plan any time

You can cancel your Marketplace coverage any time. You may need to do this if you get other health coverage, or for another reason.

You can end coverage for:

  • Everyone on the application after your coverage has started.Your coverage can endas soon as the day you cancel, or you can set your Marketplace coverage end date for a later day — like if you know your new coverage will start on the first day of the following month.
  • Just some people on the application.In many cases, their coverage will end immediately.

Learn how to cancel your coverage.

If you cancel your Marketplace plan and don’t have other health coverage:

  • You may have to wait for the next Open Enrollment Period to enroll again, unless you qualify for a Special Enrollment Period.
  • There’s significant health and financial benefits of having health coverage — and risks if you don’t. Nobody expects to get sick or hurt. But medical care without insurance is very expensive, so it’s important to have protection if the unexpected happens.
  • Health coverage helps you get regular care, including free preventive services, to keep you healthy. Learn about the benefits of health coverage.

More answers: Renew, change, or cancel your plan

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