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 certain 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.
If you don’t qualify for a Special Enrollment Period, 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.
FIND OUT IF YOU QUALIFY TO CHANGE 2016 PLANS
How to change 2016 plans with a Special Enrollment Period
- Log in to your HealthCare.gov account.
- Click the green button “Start a new application or update an existing one.”
- Click on your name in the top right of the screen and select “My applications & coverage” from the menu.
- Choose your active 2016 application.
- Select “Report a life change” from the left-hand menu.
- 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.
- Important: Complete all required steps on your online To-Do List. Depending on your eligibility, you may be able to change how much premium tax credit to use in advance or your enrollment preferences. Finish the “Final review” to complete your enrollment.
Contact the Marketplace Call Center and a representative will help you.
How to cancel your 2016 insurance plan without replacing it
You can cancel your 2016 Marketplace plan without replacing it any time. Learn how to cancel your coverage.
There are important things to consider before you do this:
- You may have to pay a penalty for months you’re not covered. 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.