Open Enrollment for a 2016 health plan is over. You now have limited opportunities to make changes.
Change plans: Only with a Special Enrollment Period
The only way to change plans now is if you experience a qualifying life event — like having a baby, getting married, or losing other coverage — that makes you eligible for a Special Enrollment Period.
Not sure if you qualify for a Special Enrollment Period?
Just answer a few fast questions, and we’ll tell you your next steps.
FIND OUT IF YOU QUALIFY
Ready to change plans with a Special Enrollment Period?
Find out how to change plans with a Special Enrollment Period if you know you qualify.
Update your information all year
If you experience a life change — like a change in income or getting another insurance offer — but don’t qualify for a Special Enrollment Period, you should still update your information. You should report these changes as soon as possible.
If you don’t update, you may:
Learn what changes to report and how to do it.
Cancel your health plan
If you (or someone on your plan) enrolled in Marketplace coverage but have since gotten coverage elsewhere — 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.
You can also end your Marketplace plan without replacing it. But keep in mind:
- You may have to pay a penalty for the months you don’t have health insurance, and for 2016, the fee is higher than ever.
- Nobody plans to get sick or hurt, but bad things happen — even to healthy people — and having medical debt can really limit your options.
Learn how to cancel your coverage.
More Answers: Change, update, or cancel your 2016 plan
- 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.