If you have 2016 Marketplace health insurance, you can renew, change, or update your plan for 2017 until January 31, 2017.
- Whether you plan to renew or change plans, we strongly encourage you to log in and update your information by December 15, 2016. This way your new coverage will start January 1, 2017.
- If you don’t act by December 15, you’ll probably be automatically re-enrolled for January 1 — but you must update income and household information on your 2017 application to get the right amount of savings.
Your 2017 insurance status
You should have received two notices: one from your current insurance company and one from the Marketplace. Together they explain:
- Your 2017 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
- If you need to send the Marketplace any documents
Important: Update & compare plans for 2017
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 2017.
- New, affordable plans may be available this year. Plans and prices change every year. Your situation may have changed too. You may find 2017 plans with coverage and features that better meet your needs — especially if you’ve had or expect income or household changes.
- Update your application so your 2017 financial help is correct. Financial help is based on your expected income for 2017 (not last year’s income). If you don’t update your income and household information, your premium tax credit and other savings could be wrong for 2017. If this happens:
- You could wind up paying higher monthly premiums than you have to.
- You might use more advance payments of the premium tax credit than you qualify for. You’d then have to pay back the difference when you file your federal taxes.
- You may be automatically enrolled for 2017 — but we strongly recommend you update your application and check out new insurance plans first. If you don’t renew or enroll in a plan by December 15, 2016, you may be automatically enrolled in the same or a similar plan. This way you’ll be covered January 1, 2017. But the best way to make sure you have a 2017 plan that meets your needs, and with the financial help you qualify for, is to update your information and see all plans available to you for 2017. You should do this even if you want to keep the same plan.
- In some cases, you won’t be automatically enrolled. Just enroll in any available plan by December 15, 2016 to make sure you’re covered on January 1, 2017.
More answers: Renew, change, or update your health plan for 2017
- What if my premium went up, my coverage changed, or I don’t like the plan I’m being offered for 2017?
Log into your HealthCare.gov account, update your application, and check out the plans available to you for 2017. New plans, prices, and features may be available.
If you don’t enroll in a new plan by December 15, 2016, you may be automatically enrolled in or matched with a 2017 plan. That way you’ll be covered on January 1, 2017. But you can change plans any time until January 31, even if the plan you were enrolled in has started.
- Can I change to a health insurance plan outside the Marketplace?
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 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.
Learn about buying a plan outside the Marketplace.
- Why is my premium tax credit different from what I had in 2016?
Your premium tax credit is based on the most current information available about your income and household size. That may be information on your 2016 application, or information from other sources, like the IRS.
But financial help is based on your expected income for 2017, not last year’s income.
That’s why you must update your income and household information for 2017 to get the right tax credit and other savings.
Select a plan by December 15, 2016, and you’ll have the right amount of savings, and the plan you want, starting January 1, 2017.
Plan premiums in your area may have changed too, and that can affect your premium tax credit.
- Why does my Marketplace notice say I won't get a premium tax credit this year?
There are several possible reasons. But even if you’re told you don’t qualify for financial assistance, update your application for 2017, and if necessary take the actions below. You may find out you do qualify for savings.
Possible reasons you’ve been told you may not qualify for a premium tax credit:
- The most recent income information from the IRS may show you don't qualify for 2017.
- You may need to send us information before you qualify for a 2017 premium tax credit. Your notice will provide details and deadlines.
- We may not have a record showing you filed a federal income tax return to reconcile a premium tax credit you used in 2015. If you don't file a tax return for years you use a premium tax credit, we can't continue to offer you one.
- When you filled out your 2016 Marketplace application, you didn't allow the Marketplace to use your updated tax information for future years. If the protection of automatic enrollment is important to you, you can update your application to allow us to use the information in the future.
- My health insurance company letter says it isn’t offering my plan or a similar one this year. What are my options?
If your insurance company says they aren’t offering your plan or a similar one through the Marketplace in your area for 2017, you’ll be matched with an alternate plan.
We strongly encourage you to update your Marketplace application and review all available 2017 plans. Enroll in one by December 15, 2016 and your new coverage can start January 1, 2017.
- To protect you from a gap in coverage, if you don’t choose a plan by December 15, 2016 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. (You activate when you pay your first monthly premium.)
- You can change to a different plan any time until January 31, 2017.
If you have questions about your plan’s availability for 2017, call your current health insurance company.
- When does my 2016 Marketplace plan end?
All 2016 Marketplace plans end December 31, 2016 no matter when you enrolled.
- What are the deadlines for 2017 coverage?
- November 1, 2016: Open Enrollment started
- December 15, 2016: The last day to enroll and have your coverage start January 1, 2017
- January 31, 2017: Last day to sign up for 2017 coverage. Coverage starts March 1, 2017
If you don’t enroll by January 31, you can’t enroll in a health insurance plan for 2017 unless you qualify for a Special Enrollment Period.