How to apply & enroll

Changing health plans after you enroll

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.

During Open Enrollment: Change plans any time

The Open Enrollment period for 2015 coverage ended February 15, 2015.

The only way you can change 2015 plans now is if you qualify for a Special Enrollment Period. See the next section.

Outside Open Enrollment: Change plans only with a Special Enrollment Period

You can change coverage outside the annual Open Enrollment period only if you have a qualifying life event that gives you 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.

To change plans with a Special Enrollment Period

If you have a Special Enrollment Period, you can change plans 2 ways:

  • Online. Log in to your Marketplace account and report your changes on your application by selecting the “Report a Life Change” button. If your new eligibility results show that you qualify for a Special Enrollment Period, you can then shop for plans and enroll in a different one.
  • By phone. Contact the Marketplace Call Center and a representative will help you change plans.

If you don’t qualify for a Special Enrollment Period, you must wait for the next Open Enrollment period in the fall of 2015 to change Marketplace plans for 2016.

Cancelling your plan without replacing it

You can cancel a Marketplace plan without replacing it at any time. But there are important things to consider before you do this.

  • If you cancel your 2015 health coverage without replacing it, you may have to pay a fee for the months you’re not covered. The fee in 2015 is higher than it was in 2014.
  • There are also important health and financial risks if you don’t have health coverage. Learn more about why it’s so important to have health coverage.

Learn how to cancel your coverage.