If you had 2016 Marketplace coverage and didn't renew or change your health plan by December 15, 2016, you've probably been automatically enrolled for 2017 in the same plan (or a similar one if your old plan isn't available).
This means you have coverage starting January 1.
IMPORTANT: Update savings & see new plans by January 31
If you were automatically enrolled, your premium tax credit and other savings may not be accurate for 2017 — and you may have missed seeing new plans that work better for you. Be sure to update your information and change plans by January 31.
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- How can I tell if I was automatically enrolled?
- Log in and click "Start a new application or update an existing one." You'll see a blue box at the top of the next page if you've been automatically enrolled. You can see plan details under "My Plans & Programs."
- If you've been automatically enrolled, you'll also get a notice. Log in and click "Messages" to see a copy.
- If you see a 2017 application marked "Status: Complete" in your Marketplace account, you're enrolled for 2017.
If none of the above shows that you're enrolled, you're not enrolled for 2017.
If you're having trouble finding out your 2017 enrollment status, contact the Marketplace Call Center.
- What if I wasn't automatically enrolled?
You can enroll in any 2017 plan available to you through January 31. Learn how to enroll.
Important: Update info & compare plans for 2017
Whether you're enrolled for 2017 or not, we strongly recommend you update your Marketplace application with your expected income and household information and see plans available to you for 2017.
We recommend you do this even after your 2017 coverage has started. You can change plans and get updated savings any time until January 31.
- New, affordable plans may be available. 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. Premium tax credits and other savings are based on your expected income for 2017 (not last year’s income). If you don’t update your income and household information, your savings could be wrong for 2017. If this happens:
- You could wind up paying higher monthly premiums.
- 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.
More answers: Renew, change, or update your health plan for 2017
- My health insurance company isn't offering my plan or a similar one for 2017. What are my options?
If your 2016 insurance company isn't offering your plan or a similar one through the Marketplace in your area for 2017, you may have been matched with an alternate plan from a different insurance company.
- If you didn't choose a plan by December 15, 2016 and the Marketplace matched you with an alternate plan, we've enrolled you in that plan. This way, you won't have a gap in coverage.
- You're not required to activate this new plan. (You activate (start your plan) when you pay your first monthly premium.)
- We strongly encourage you to update your Marketplace application and review all available 2017 plans, even if the plan you've been matched with has already started. You can change to a different plan any time until January 31, 2017.
If you have questions about your 2016 plan's availability for 2017, call your 2016 health insurance company.
- When does my 2016 Marketplace plan end?
All 2016 Marketplace plans end December 31, 2016 no matter when you enrolled.
- 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.