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If you have Marketplace coverage and become eligible for
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.
that counts as
Any health insurance that meets the Affordable Care Act requirement for coverage. The fee for not having health insurance no longer applies. This means you no longer pay a tax penalty for not having health coverage.
Refer to glossary for more details.
, consider ending your Marketplace coverage.
Once you're eligible for Medicaid or CHIP, you no longer qualify for savings on your Marketplace plan
The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.
Refer to glossary for more details.
or
Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.
Refer to glossary for more details.
. You'll have to pay full price for your Marketplace plan.
1. Make sure you're eligible for Medicaid or CHIP
Your state may send you a letter that says you "may be eligible" or that "you're eligible but they may need more information." If they ask for information, send it right away.
Wait until you have a final decision from your state agency that says you're eligible before you end your Marketplace coverage.
Warning:
If you end your Marketplace plan before you get a final decision, you may have to wait to re-enroll and have a gap in coverage.
If you're not sure if you or household members have Medicaid, contact your state agency. For CHIP, call 1-877-KIDS-NOW (1-877-543-7669).
2. End Marketplace coverage
End your Marketplace coverage when your Medicaid or CHIP coverage starts. Your
A tax credit you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace®. Your tax credit is based on the income estimate and household information you put on your Marketplace application.
If you don't end your Marketplace coverage when Medicaid or CHIP coverage starts, you may have to pay back some or all of the premium tax credit you use when you file your federal taxes.