Changing plans after you’re enrolled
Once you enroll, you generally keep this plan for the year, unless you qualify for coverage through another source, like through your job,
,
, or the
.
You can change plans during
. Outside of Open Enrollment, you can change plans only if you qualify for a
due to a life event — like changing jobs, getting married, having a baby, or based on estimated household income. Check if you qualify.
You usually have 60 days from the life event to enroll in a new plan, but you should report your change as soon as possible.
Report a change to get a Special Enrollment Period
Reporting changes makes sure you get the right amount of savings towards your Marketplace plan. You may also qualify to switch plans.
First, report the change by updating your application. Then, review your Eligibility Results. If you qualify for a Special Enrollment Period, you can shop for plans and enroll in one that meets your needs.
How to cancel your plan without replacing it
You can cancel your Marketplace plan any time, but there are important things to consider:
- Once you cancel your coverage, you might have to wait for the next Open Enrollment Period to enroll again.
- The 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.