How to apply & enroll

Changing plans after you’re enrolled

Want to change health plans?
You can change health plans if you qualify for a
due to a
, like losing other health coverage, moving, getting married, or having a baby.
  • You usually have 60 days from the event to enroll in a new plan, but report the change as soon as possible.
  • If you don't qualify for a Special Enrollment Period, your next chance to change plans is during Open Enrollment that runs November 1-January 15.
If you change plans or add a new household member, any
you already paid on your current Marketplace plan probably won't count towards your new
for the same year, even if you stay with the same insurance company. Call your insurance company before changing plans or adding a new household member to find out if you'll need to start over to meet your new plan's deductible.

How to change plans with a Special Enrollment Period

  1. Log in to your Marketplace account.
  2. Choose your active application under "Your Existing Applications."
  3. Select "Report a Life Change" from the left-hand menu.
  4. Review the list of changes, and select "Report a Life Change" to get started.
  5. Select the kind of change you want to report.
  6. Go 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.
  7. 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 new enrollment.

How to cancel your insurance plan without replacing it

You can cancel your Marketplace plan any time, but there are important things to consider:
  • No one plans to get sick or hurt, but bad things happen — even to healthy people. 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.