Changing plans after you’re enrolled


You can change 2018 health plans 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 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 2019 Open Enrollment from November 1–December 15, 2018. Coverage starts January 1, 2019.

How to change 2018 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. Read through the list of changes, and click "Report a Life Change" to get started.
  6. Select the kind of change you want to report.
  7. 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.
  8. 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 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.