Update your coverage for 2018 — or get ready to update for 2019
If you have a 2018 Marketplace plan and experience changes, update your 2018 application ASAP. These pages explain how to do that.
Note: Starting November 1, you'll update your 2019 application with any changes you expect for the year ahead. Learn how to get ready for 2019 Open Enrollment.End highlighted text
If you had Marketplace health insurance in 2018, you can renew, change, or update your plan for 2019 during the Open Enrollment Period, November 1 to December 15, 2018.
Important: Starting November 1, update your income and household information on your 2019 application, so you get the right amount of savings. You can then compare all available plans and enroll in any one you like. Plans sold during Open Enrollment start January 1, 2019.
Coming soon: 2019 plans & prices
You can preview 2019 plans and prices on HealthCare.gov shortly before November 1.End highlighted text
By November 1, 2018, you should get 2 letters: one from your current insurance company and one from the Marketplace. Together they explain your 2019 coverage status, which plan (if any) you’ll be enrolled in or matched with if you don’t act by December 15, any changes in your coverage and financial help, and directions if you need to send the Marketplace any documents.
If you don’t get your insurance company letter by November 1, contact your insurance company. If you don’t get the Marketplace letter, contact the Call Center.
No matter what plan you want to enroll in, we strongly recommend you update your Marketplace application with your expected income and household information and compare your current plan to what’s available for 2019. You can do this as soon as November 1, 2018.
Log into your HealthCare.gov account as soon as November 1, 2018, update your application, and check out the plans available to you for 2019. New plans, prices, and features may be available.
If you don’t enroll in a new plan by December 15, 2018, you may be automatically enrolled in or matched with a 2019 plan. That way you'll be covered on January 1, 2019.
Yes. But the only way to get a premium tax credit and other savings is to buy your plan through the Marketplace.
If you know your income is too high to qualify you for a premium tax credit, you may want to explore plans outside the Marketplace.
Note: Plans inside and outside the Marketplace have similar basic features, but some outside-the-Marketplace plans have different costs and other important details. If you're looking at plans outside the Marketplace, be sure to compare them to plans in the Marketplace too.
Your premium tax credit is based on the most current information available about your income and household size. That may be information on your 2018 application, or information from other sources, like the IRS. Financial help is based on your expected income for 2019, not 2018.
That's why it's so important to update your application with income and household changes you expect for 2019. It's the only way to be sure you'll get the right tax credit and other savings for the year.
Update your application as soon as November 1, 2018. Select a plan by December 15, 2018, and you'll have the right amount of savings, and the plan you want, starting January 1, 2019.
Plan premiums in your area may have changed too, and that can affect your premium tax credit.
There are several possible reasons. But even if you’re told you don't qualify for financial help, update your application for 2019, and if necessary take the actions below. You may find out that you do qualify for financial help.
Possible reasons you've been told you may not qualify for a premium tax credit next year:
If your insurance company letter says they aren't offering your plan or a similar plan through the Marketplace in your area for 2019, you'll be matched with an alternate plan. We strongly encourage you to update your Marketplace application and review all plans available to you for 2019. When updating your 2019 Marketplace application, be sure to indicate that you're losing your 2018 health coverage as of December 31, 2018. You must enroll in a plan by December 15, 2018. Coverage starts January 1, 2019.
If you have questions about your plan's availability for 2019, call your current health insurance company.
To protect you from a gap in coverage, if you don't choose a plan by December 15, 2018, and the Marketplace has matched you with an alternate plan offered by another insurance company, we'll enroll you in that plan.
You’re under no obligation to activate this new plan. (Your plan isn’t activated until you pay your first monthly premium.)
All 2018 Marketplace plans end December 31, 2018, no matter when you enrolled.
If you don’t enroll by December 15, you can't enroll in a health insurance plan for the rest of 2019 unless you qualify for a Special Enrollment Period.
No. Even if you're automatically enrolled in a new plan, you're under no obligation to activate this new plan.