Want to change health plans for 2016?

Open Enrollment is over. You can still change 2016 health plans only if:

  • You qualify for a Special Enrollment Period from having a life event — like changing jobs, getting married, or having a baby. You usually have 60 days from the life event to enroll in a new plan.

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.