If you had Marketplace health insurance in 2016, you can renew, change, or update your plan for 2017 during the Open Enrollment Period, November 1, 2016 to January 31, 2017.
Important: Whether you plan to renew or change plans, you must update income and household information on your 2017 application to get the right amount of financial assistance.
You can log in to take action as soon as November 1, 2016. Renew or change plans by December 15, 2016 so your new coverage starts January 1, 2017.
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By November 1, 2016, you should get 2 letters: 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; and if you need to send the Marketplace any documents.
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. You can do this as soon as November 1, 2016.
Just log into your HealthCare.gov account as soon as November 1, 2016, 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.
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.
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.
Update your application as soon as November 1, 2016. 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.
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:
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 starting November 1, 2016 and review all available 2017 plans. Enroll in one by December 15, 2016 and your new coverage can start January 1, 2017.
If you have questions about your plan’s availability for 2017, call your current health insurance company.
All 2016 Marketplace plans end December 31, 2016 no matter when you enrolled.
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.