How to cancel your Marketplace plan

You may need to end your Marketplace plan if you get other health coverage, or for another reason.

IMPORTANT: Don't end your Marketplace plan until you know for sure when your new coverage starts. Once you end Marketplace coverage, you can’t re-enroll until the next annual Open Enrollment Period (unless you qualify for a Special Enrollment Period).

When and how to end your Marketplace plan depends on your situation. Select the reason you’re ending coverage below for step-by-step instructions.

In some cases, your instructions depend on whether you’re ending coverage for just the household contact, some people on the application, or everyone. Different instructions apply for ending stand-alone dental plans.

Choose the reason you’re ending health coverage

You got job-based health insurance

If your employer (or a family member’s) is offering you health insurance, select who you’re ending coverage for to see step-by-step cancellation instructions.

You’re told you’re “eligible” or “may be eligible” for Medicaid or CHIP

You’ll follow a different process depending on whether you learn you are eligible or may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). See how to cancel a Marketplace plan due to a change in Medicaid or CHIP eligibility.

You become eligible for Medicare

You’ll follow a different process depending on whether you and your spouse are enrolled on the same Marketplace plan but only your spouse needs to cancel due to new Medicare eligibility, or if you’re the only person on your application and now qualify for Medicare.

Select who you’re ending coverage for to see step-by-step cancellation instructions.

Learn more about changing from the Marketplace to Medicare.

You got health coverage through another source

If you’re enrolling in health coverage through another source, like a parent’s plan, a student health plan, Peace Corps, TRICARE, or the Department of Veterans Affairs, select who you’re ending coverage for below to see step-by-step instructions.

You’re ending Marketplace coverage for another reason

Select who you’re ending coverage for below to see step-by-step cancellation instructions.

Note: You can end a Marketplace plan without replacing it any time. But there are important things to think about:

  • If you end your health coverage and don’t replace it, you may have to pay a fee for the months you don’t have coverage. The fee is $695 per adult or 2.5% of your household income, whichever is higher.
You’re ending coverage because someone on your Marketplace application died

It’s important to report the death of an enrollee as soon as possible so the deceased’s coverage can be terminated and premium tax credits and other savings can be adjusted for the remaining plan members.

If you’re the household contact and someone on your plan dies, you can end coverage for the deceased enrollee online or you can call the Marketplace Call Center. If you end your coverage online, you still must contact the Call Center to report the date of death.
If you’re not the household contact, any household member 18 and over can contact the Marketplace Call Center to report the date of death and update the coverage.
If the household contact dies, another adult household member on the same application can update the application for the remaining household members.
You’re ending coverage for somebody who has died and is NOT on your Marketplace application

It’s important to report the death of an enrollee as soon as possible so that the deceased’s coverage can be terminated and premium tax credits and other savings can be adjusted for remaining plan members.

If you need to end coverage for someone who’s died and you aren’t the household contact or a member of the household on their Marketplace application, you can report the death of the enrollee as long as you’re at least 18 years old. Follow these steps:
Submit copies of documents verifying the death, like a death certificate, obituary, court document providing proof of death, or proof that somebody has been named executor of the estate. The documents should include this information about the deceased:
  • Full name
  • Date of birth
  • Application ID (if known)
  • Social Security Number (if known)
  • Contact information for the person submitting the documentation, including name, address, and phone number
If the documents don’t contain the above information, include an attached note.
Mail COPIES of all documents to:
Health Insurance Marketplace
ATTN: Coverage Removal
Dept. of Health and Human Services
465 Industrial Blvd.
London, KY 40750-0001
The Marketplace Call Center will try to contact you about ending coverage for the deceased, and re-enrolling anyone else still on the plan. The remaining household members may need to update their tax filing, financial, or other information on their application. These changes may qualify them for a Special Enrollment Period (SEP) so they can change plans outside the annual Open Enrollment Period.
Contact the insurance company to see if any premium refunds or adjustments apply.
Your “grandfathered” health plan is changed or canceled

If you get a notice from your insurance company saying that a grandfathered health plan you got outside the Marketplace before March 23, 2010 has been changed or canceled, you can learn about your options here.

Steps to cancel all Marketplace coverage, including dental

In most cases, the steps you take to cancel depend on whose coverage is being canceled. Select your situation below for step-by-step instructions.

If you’re ending coverage for just the household contact

The household contact is usually the person who created the Marketplace account, and may have filled out the application to buy the Marketplace plan for their spouse or dependents.

In order to cancel for the contact, you must contact the Marketplace Call Center to:
  • Change the household contact
  • Remove the household contact from the plan if others in your household are staying on the plan
Don’t try to change or remove the household contact online unless you’re ending coverage for everyone on the plan. It’s important to do this by phone so we can make sure dependents stay on the plan.
You’re ending coverage for everyone on your plan

You can end coverage for everyone on your Marketplace plan, like if everyone gets coverage from another source, or for some other reason.

If you’re ending coverage for everyone on the application after your 2017 coverage has started, your termination can take effect as soon as 14 days from the day you cancel. Your health insurance company will collect premiums for this final two-week period of coverage. You can set the Marketplace coverage end date to a day more than 14 days in the future — like if you know your new coverage will start on the first day of the following month, and that’s more than two weeks away.
If you’re the only one covered on your plan, you’ll also use these instructions.
  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Click on your name in the top right of the screen, and select “My applications & coverage.”
  4. Select your application under “Your existing applications.”
  5. On the left, select “My Plans & Programs.”
  6. Select the red button “End (Terminate) All Coverage” at the bottom.
  7. Select the date you want to end your coverage (as soon as 14 days from the current date).
  8. Check the attestation box.
  9. Click the red “Terminate Coverage” button.
A red “Terminated” or “Canceled” status should appear above the plan you ended.
You can also end your plan for all household members by phone. Contact the Marketplace Call Center.
You’re ending coverage for just some people on your plan

You can end coverage for just some people on your Marketplace plan, like a spouse or dependents. You may want to do this if someone gets coverage from another source, for example, but the rest of the people on the application want to keep their Marketplace coverage.

If you’re ending coverage for just some people on the application, in most cases, their coverage will end immediately. The best way to ensure you receive your desired coverage end date is by requesting the change at the Marketplace Call Center.
To end Marketplace coverage online for some people (excluding the household contact), follow these steps:
  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Click on your name in the top right of the screen, and select “My applications & coverage.”
  4. Select your application under “Your existing applications.”
  5. Click “Report a life change” on the menu to the left.
  6. Click “Report a Life Change” near the bottom.
  7. Select “Report a change in my household’s income, size, or other information.”
  8. Check the attestation box, then click “Save & Continue.”
  9. Continue through the application, updating information as necessary.
  10. For the “Who Needs Coverage” question, indicate the household members who want to keep Marketplace coverage.
  11. Click “Save & Continue.”
  12. Click "Remove" for people you want to remove from the Marketplace plan.
  13. Confirm the removals and answer any following questions.
  14. Click “Save.” Note: You must complete steps 11, 12, and 13 for each household member you want to remove from Marketplace coverage. After removing these people from the list of people who need Marketplace coverage, if they’re still members of your tax household (like your spouse or tax dependents on your federal income tax return), you need to add them back in as people in your household who don’t need Marketplace coverage. This is because your savings are based on income for everyone in your household — including people who don’t need coverage.
  15. Continue clicking through the application, updating information as necessary.
  16. When you get to the screen that asks about your household information, answer the questions appropriately and list members of the tax household. This may include listing people you just removed as an applicant, if they’re still a member of the tax household.
    • Click “Save & Continue.”
    • Continue clicking through the application, adding or updating information as needed.
  17. Click “View Eligibility Results.” After you’ve read them, click “Continue to Enrollment.”
  18. Important: Complete all items on the “To-Do List,” including selecting and confirming a plan.
    • The plan selection will show only people who applied and were found eligible to enroll in a Marketplace plan. Anyone who is or may be eligible for Medicaid or CHIP OR who’s no longer applying for Marketplace coverage won’t appear in the plan selection.
    • Anyone continuing Marketplace coverage must select and confirm enrollment in a Marketplace plan for the coverage changes to take effect. Anyone eligible for a Special Enrollment Period can select a new plan if they want to.
    • Once enrollment in a Marketplace plan is confirmed, coverage will end for the people you’ve removed.
In some cases, coverage won’t end immediately, including when the people staying on the Marketplace plan qualify for a Special Enrollment Period. For example, if you update your household income after ending coverage for one or more people and the amount of premium tax credits or other cost savings changes, the remaining enrollees may qualify for a Special Enrollment Period with the following coverage end date options:
  • If the person is removed by the 15th of the month: Coverage ends on the last day of the current month.
  • If the person is removed after the 15th of the month: Coverage ends on the last day of the following month.
If Marketplace coverage doesn’t end right away for the person being removed from the plan and they would prefer it to take effect immediately, they can contact the Marketplace Call Center to have their coverage end-date adjusted.

How to cancel a stand-alone dental plan and keep your Marketplace health plan

If you bought a stand-alone dental plan when you enrolled in a Marketplace health plan and now want to end only your dental coverage, you can do so any time. You aren’t required to have dental coverage, so you won’t have to pay a penalty if you cancel only your dental plan.

You’ll need to terminate your dental coverage at least 14 days before you want it to end.

Select who you’re ending dental coverage for below for step-by-step instructions.

Note: If you voluntarily end your dental coverage or are terminated for not making premium payments, you may not be eligible to enroll in dental coverage until the next Open Enrollment Period.

You’re ending dental coverage for everyone on your plan

To end all or some dental coverage for everyone on your plan, follow these steps:

  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Click on your name in the top right of the screen, and select “My applications & coverage.”
  4. Select your application under “Your existing applications.”
  5. On the left, select “My Plans & Programs.”
  6. Select the red button “End (Terminate) Dental Coverage” at the bottom.
  7. Select the plan or plans you want to end.
  8. Select the date you want to end your coverage (as soon as 14 days from the current date).
  9. Check the attestation box.
  10. Click the red “Terminate Coverage” button.
A red “Terminated” or “Canceled” status should appear above the plan you ended.
You can also end your plan for all household members by phone. Contact the Marketplace Call Center.
You’re ending dental coverage for just some people on your plan

If you’re ending dental coverage for just some people on the application, select “Report a life change” on the left-hand menu. When asked if this person wants coverage, select “No.”