Whether you can change a health insurance plan after you’re enrolled depends on the time of year you want to change.
- The Open Enrollment Period for 2016 insurance is November 1, 2015 to January 31, 2016. Log into your HealthCare.gov account, update your application if necessary, select a different plan, and complete your 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.
You can change insurance plans outside the annual Open Enrollment period only if you have a 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 Health Insurance 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.