Step 4 to stay covered through the Marketplace: Choose a health plan

Published on December 5, 2014

If you bought a health insurance plan through the Marketplace in 2014, you’ll need to decide whether to renew your current plan or change plans for 2015. To get started, check out the 5 Steps to Staying Covered.

Step 4 to staying covered is to choose a health plan for 2015. You can keep the same plan you had in 2014 (as long as it’s still offered) or select a new one that better fits your needs. If you want to stay enrolled in your 2014 plan, use the 14-digit plan ID in the letter you get from your health plan.

Here are some things to remember as you choose your plan:

You can choose any plan available to you in your area in 2015, no matter what kind of coverage you had in 2014.
All 2015 Marketplace health plans include all benefits and protections required by the health care law.
You can use any premium tax credits and cost-sharing reductions (if you qualify) only if you enroll in a plan through the Marketplace.

Take action by December 15, 2014 to make sure you have the right coverage for your needs starting January 1.

If you have questions, call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325. You can also visit Localhelp.HealthCare.gov to find help in your area.

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