Want to change health plans for 2016?

You can still change your 2016 health plan only if you qualify for a Special Enrollment Period due to a life event — like losing health coverage, getting married, or having a baby. You usually have 60 days from the life event to enroll in a new plan.

Your next chance to change plans is during Open Enrollment for the 2017 plan year. You can choose a new plan starting November 1, 2016, with coverage taking effect as soon as January 1, 2017.

How to change plans with a Special Enrollment Period


  1. Log in to your Marketplace account.
  2. Click the green button “Start a new application or update an existing one.”
  3. Choose your active application under “Your existing applications.”
  4. Select “Report a life change” from the left-hand menu.
  5. Navigate through the application to report your change. 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.
  6. Important: Complete all required steps on your online To-Do list. Depending on your eligibility, you may have options to enter your tax credit amount or answer questions about enrollment preferences. Finish the “Final review” task to complete your update or a new enrollment.

By phone

Contact the Marketplace Call Center and a representative will help you.

How to cancel your insurance plan without replacing it

You can cancel your Marketplace plan without replacing it at any time, but there are important things to consider before you do this:

  • You may have to pay a penalty for the months you’re not covered, and for 2016, the fee is higher than ever.
  • No one plans to get sick or hurt, but bad things happen — even to healthy people — and having medical debt can really limit your options. If you’re paying for every medical service yourself, you may make some health care decisions based on money instead of what’s best for your health.
  • Learn more about the benefits of health coverage.

Learn how to cancel your coverage.