Reporting life & income changes to the Marketplace

Once you have Marketplace coverage, you must report certain life changes. This information may affect the coverage or savings you’re eligible for.

It’s important to report these changes to the Marketplace as soon after the change as possible.

  • If your income goes up or you lose a member of your household, you may qualify for less savings than you’re getting now. If you don’t report these changes, you could wind up having to pay back the difference when you file your federal tax return for the coverage year.

  • If your income goes down or your gain a household member, you could qualify for more savings than you’re getting now. This could reduce the amount you pay in monthly premiums. You could also qualify for Medicaid or CHIP coverage.

Learn more from the IRS about how changes can affect the premium tax credit you may be eligible for.

Life changes to report

You must report a change if you:

  • Get married or divorced

  • Have a child, adopt a child, or place a child for adoption

  • Have a change in income

  • Get health coverage through a job or a program like Medicare or Medicaid

  • Change your place of residence

  • Have a change in disability status

  • Gain or lose a dependent

  • Become pregnant

  • Experience other changes that may affect your income and household size

  • Other changes to report: change in tax filing status; change of citizenship or immigration status; incarceration or release from incarceration; change in status as an American Indian/Alaska Native or tribal status; correction to name, date of birth, or Social Security number.

When to report changes

You should report these changes to the Marketplace as soon after the change as possible.

If these changes qualify you for a Special Enrollment Period to change plans, in most cases you have 60 days from the life event to enroll in new coverage. If the changes qualify you for more or less savings, it’s important to make adjustments as soon as possible.

How to report changes

You can report changes 2 ways:

  • Online. Log in to your account. Select your existing application, choose "Report a life change" from the menu on the left, and then click on the "Report a life change" button. Find out how to upload documents

  • By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)

Important: Do not report these changes by mail.

After you report a change

After you report changes to the Marketplace, you’ll get new eligibility results that explain:

  • Whether you qualify for a Special Enrollment Period that allows you to change plans
  • Whether you’re eligible for different savings.

If you’re eligible for a Special Enrollment Period

You’ll be able to shop for a different plan in the Marketplace. You usually have up to 60 days from the date of the qualifying event to enroll in a new plan.

If you have a Special Enrollment Period, you can change plans 2 ways:

  • Online. Log in to your account and select your application. Then select "Eligibility and Appeals" from the menu on the left. Next, scroll down and click the green "Continue to enrollment" button. You can then shop for plans and change your selection.

  • By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).

If you’re not eligible for a Special Enrollment Period but the tax credit you qualify for has changed

You can’t change plans. But you can adjust the amount of the tax credit to apply to your monthly premiums.

Changing your profile information

You report changes that don’t affect your coverage or savings differently.

  • To change your home address, email address, or phone number, log into your Marketplace account and update the information on your Marketplace Profile page.

  • Be sure to report address, email, and phone changes to your insurance company too. Otherwise they may not know about your new contact information.