You generally can’t change Marketplace plans after you enroll. There are 2 exceptions. One applies during Open Enrollment, and one applies after Open Enrollment.
- Since the 2015 Open Enrollment Period is over, you can change 2015 plans now only if you qualify for a Special Enrollment Period. See the next section.
- The Open Enrollment Period for 2016 insurance is November 1, 2015 to January 31, 2016.
You can change coverage outside the annual Open Enrollment period only if you have a qualifying life event that qualifies you for a Special Enrollment Period. You usually have 60 days from the life event to enroll in a new plan.
Learn more about how you qualify for a Special Enrollment Period.
If you have a Special Enrollment Period, you can change plans 2 ways:
If you don’t qualify for a Special Enrollment Period, you must wait for the next Open Enrollment Period to change plans for 2016. The Open Enrollment Period for 2016 is November 1, 2015 to January 31, 2016.
You can cancel a Marketplace plan without replacing it at any time. But there are important things to consider before you do this.
Learn how to cancel your coverage.