Open Enrollment for 2023 is over. You now have limited opportunities to change your health plan.
Change health plans: Only with a Special Enrollment Period
You can change health plans based on estimated household income or if you experience a — like losing other coverage, having a baby, moving, or getting married — that makes you eligible for a
Update your health plan: Report changes, keep plan up-to-date
If you experience a change to your income or household — like a pay raise, a new household member, or a dependent getting other coverage — you must update your Marketplace application.
- Some changes will qualify you for a Special Enrollment Period, allowing you to change your plan.
- Some changes, like an increase or decrease in income, may affect your savings or coverage eligibility. If you don’t update, you may miss out on additional savings or pay money back when you file your taxes.
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 end as soon as the day you cancel, or you can set the Marketplace coverage end date to a day in the future — like if you know your new coverage will start on the first day of the following month.
- Just some people on the application. In most cases, their coverage will end immediately.
More Answers: Change, update, or cancel your plan
- If your income goes up: You may be taking more advance payments of your premium tax credit than you qualify for. If you don’t update, you may have to pay money back on your next federal tax return.
- If your income goes down: You may be able to take more advance payments of your premium tax credit, lowering what you have to pay for premiums each month. You also could qualify for free or very low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP) instead of a Marketplace plan.