Keep or change your insurance plan

Renew, change, update, or cancel your health plan

If you have Marketplace coverage, you can renew, change, or update your plan for 2024 during Open Enrollment (November 1-January 15).
Act by December 15 
This way, coverage starts January 1.

Your 2024 insurance status

By November 1, you should get 2 letters — one from your current insurance company and one from the Marketplace.
Together they tell you:
  • Your 2024 coverage status
  • Which plan (if any) you'll be enrolled in or matched with if you don't act by December 15
  • About any changes in your coverage and financial help
  • If the Marketplace needs documents and how to send them
Don't have your letters?

Update & compare plans for 2024

Starting November 1, update your Marketplace application with your expected income and household information. Then, compare this year's plan to what’s available for next year. 
Select a plan by December 15 for coverage that starts January 1. 
  • New, affordable plans may be available. Plans and prices change every year. Your situation may have changed, too. You may find plans with coverage and features that better meet your needs — especially if you had or expect income or household changes.
  • Update your application so your 2024 Marketplace savings are correct. Marketplace savings are based on your expected income for 2024 (not 2023). If you don't update your income and household information:
    • You could qualify for more savings than you’re getting now.
    • You could qualify for less savings and have to pay money back when you file your federal tax return.
  • You may be automatically enrolled in a plan for 2024 — but still update your application and check out other insurance plans. Pick the plan that best meets your needs. If you don't want to be automatically enrolled, pick a different plan by December 15.
  • In some cases, you won't be automatically enrolled. Enroll in a plan by December 15 to make sure you have coverage that starts January 1.

Cancel your health plan any time

You can cancel your Marketplace coverage any time. You may need to do this if you get other health coverage, or for another reason.
You can end coverage for:
  • Everyone on the application after your coverage has started. Your coverage can end as soon as the day you cancel, or you can set the Marketplace coverage end date to a day in the future — like if you know your new coverage will start on the first day of the following month.
  • Just some people on the application. In most cases, their coverage will end immediately.

More answers: Renew, change, update, or cancel your plan