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).
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
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
You can enroll in a different plan. Starting November 1, log into your Marketplace account, and update your 2024 application. Then, review and pick a plan for your 2024 coverage. Learn more about how to report changes.
If you don’t enroll in a new plan by December 15, you may be automatically enrolled in or matched with a 2024 plan. That way, you won't have a gap in your health coverage. If you don’t pay the first premium, the plan won’t start.
If you're automatically enrolled and your coverage started, you can still change plans until January 15. Learn about your choices if you're automatically enrolled.
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 you for a premium tax credit, you may want to explore plans outside the Marketplace.
Plans inside and outside the Marketplace have similar basic features, but some plans outside the Marketplace 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 2023 application, or information from other sources, like the IRS. Financial help is based on your expected income for the plan year you want coverage.
That's why it's so important to update your application with income and household changes you expect. It's the only way to be sure you'll get the right tax credit and other savings for the year.
Update your application as soon as November 1. Select a plan by December 15, and you'll have the right amount of savings, and the plan you want, starting January 1.
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 help, update your application for 2024, and if necessary take the actions below. You may find out that you do qualify for financial help.
Possible reasons you've been told you may not qualify for a premium tax credit next year:
- Updated income information from the IRS may show that you don't qualify for 2024.
- You may need to send us information or take other actions before you qualify for a 2024 premium tax credit. Your letter will provide instructions and deadline information.
- We may not have a record showing you filed a federal income tax return to a premium tax credit you used in 2022. 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 2023 Marketplace application, you may not have allowed the Marketplace to use your updated tax information automatically for future years.
If your insurance company letter says they aren't offering your plan or a similar plan through the Marketplace in your area as before, you'll be matched with an alternate plan. Update your Marketplace application and review all plans available to you for next year. When updating your 2024 Marketplace application, indicate that you're losing your 2023 health coverage December 31.
You have through January 15 to change plans for 2024, even if you're automatically enrolled.
If you have questions about your plan's availability for 2024, call your current health insurance company.
To protect you from a gap in coverage, if you don't choose a plan by December 15, and the Marketplace matched you with an alternate plan offered by another insurance company, we enrolled you in that plan.
You’re under no obligation to activate this new plan. (Your plan isn’t activated until you pay your first monthly premium.)
All Marketplace plans for this year end December 31, no matter when you enrolled.
- November 1: Open Enrollment starts.
- December 15: Last day to enroll in or change plans for coverage to start January 1.
- January 15: Open Enrollment ends. Last day to enroll in or change health plans for the year.
If you don’t enroll by January 15, you can't enroll in a Marketplace health insurance plan unless you qualify for a
.
You don't have to keep this new plan. Plans only start once you pay your first premium.
You can log into your HealthCare.gov account from November 1 to January 15 to update your application and enroll in any available 2024 Marketplace plan.
- Enroll by December 15 for coverage that starts January 1.
- After January 15, you can't change plans for 2024 unless you qualify for a .
Once you’re enrolled in a plan, you’ll pay your first premium to the insurance company. Insurance companies handle payments differently. Follow the instructions from your insurance company about how and when to make your
payment. You may be able to pay online.
Learn more about changing from the Marketplace to Medicare.