Begin highlighted text
Want to change health plans for 2021?
You can change 2021 health plans if you qualify for a Special Enrollment Period due to a life event, 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 2022 Open Enrollment from Monday, November 1, 2021–Saturday, January 15, 2022. Enroll by December 15, 2021 for coverage that starts January 1, 2022.
Note: If you change plans or add a new household member, any out-of-pocket costs you already paid on your current 2021 Marketplace plan probably won’t count towards your new deductible, 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.
End highlighted text
How to change plans with a Special Enrollment Period
- Log into your Marketplace account.
- Choose your active application under "Your Existing Applications."
- Select "Report a Life Change" from the left-hand menu.
- Read through the list of changes, and click "Report a Life Change" to get started.
- Select the kind of change you want to report.
- 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.
- 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.
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 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.
To cancel your plan: Learn how to cancel your coverage.