How to change, update, or cancel your Marketplace plan

Open Enrollment for 2017 is over. You now have limited opportunities to change your health plan.

Change health plans: Only with a Special Enrollment Period

You can change health plans now only if you experience a qualifying life event — like losing other coverage, having a baby, or getting married — that makes you eligible for a Special Enrollment Period.

Find out if you qualify to change plans

Just answer a few fast questions, and we’ll tell you if you qualify for a Special Enrollment Period. If you do, you can change your 2017 health plan.



Ready to change plans with a Special Enrollment Period? Log in to your account.

Update your health plan: Report changes, keep plan up-to-date

If you experience a change to your income or household — like a pay raise, a new household member, or a dependent getting other coverage — you must update your Marketplace application.

  • Some changes will qualify you for a Special Enrollment Period, allowing you to change your plan.
  • Some changes, like an increase or decrease in income, may affect your savings or coverage eligibility. If you don't update, you may miss out on additional savings or pay money back when you file your taxes.

Learn what changes to report and how to do it.

Cancel your health plan: Any time

If you (or someone on your plan) enrolled in a Marketplace plan and gets other health coverage — like through a job, Medicare, Medicaid, or CHIP — you can cancel your Marketplace coverage for everyone on your application or just certain people at any time.

Learn how to cancel your coverage.

You can also end your Marketplace plan without replacing it. If you do, you may have to pay a penalty for the months you don’t have health insurance. You'll also have to pay for all of your health care yourself.

More Answers: Change, update, or cancel your plan

Where can I see all qualifying life events that qualify for a Special Enrollment Period?

Visit this page for a complete list of qualifying life events.

Why should I report changes if I don’t qualify for a Special Enrollment Period?
  • If your income goes up: You may be taking more advance payments of your premium tax credit than you qualify for. If you don’t update, you may have to pay money back on your next federal tax return.
  • If your income goes down: You may be able to take more advance payments of your premium tax credit, lowering what you have to pay for premiums each month. You also could qualify for free or very-low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP) instead of a Marketplace plan.

See which changes to report.