Update your coverage for 2022 — or get ready to update for 2023
If you have a 2022 Marketplace plan and experience changes, update your 2022 application as soon as possible. Learn how to make an update.
Note: Starting November 1, you'll update your 2023 application with any changes you expect for the year ahead. Learn how to get ready for 2023 Open Enrollment.End highlighted text
If you have Marketplace health insurance in 2022, you can renew, change, or update your plan for 2023 during the 2023 Open Enrollment Period (November 1, 2022 to January 15, 2023). Act by December 15, 2022 for coverage that starts January 1, 2023.
Important: Starting November 1, update your income and household information on your 2023 application, so you get the right amount of savings. You can then compare all available plans and enroll in any one you like.
By November 1, 2022, you should get 2 letters – one from your current insurance company and one from the Marketplace.
Starting November 1, update your Marketplace application with your expected income and household information. Then compare your current plan to what's available in 2023. No matter what plan you want to enroll in, we strongly recommend that starting November 1, 2022 you update your Marketplace application with your expected income and household information. Then compare your current plan to what’s available for 2023. Select a plan by December 15, 2022 for coverage that starts January 1, 2023.
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:
If you don’t enroll in a new plan by December 15, 2022, you may be automatically enrolled in or matched with a 2023 plan. That way you'll be covered on January 1, 2023. If you don’t pay the first premium, the plan won’t be activated.
You can change plans until January 15, 2023, even if the coverage you were automatically re-enrolled in has started. Learn about your choices if you were 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.
Note: 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 2022 application, or information from other sources, like the IRS. Financial help is based on your expected income for 2023, not 2022.
That's why it's so important to update your application with income and household changes you expect for 2023. 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, 2022. Select a plan by December 15, 2022, and you'll have the right amount of savings, and the plan you want, starting January 1, 2023.
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 2023, 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:
If your insurance company letter says they aren't offering your plan or a similar plan through the Marketplace in your area for 2023, you'll be matched with an alternate plan. We strongly encourage you to update your Marketplace application and review all plans available to you for 2023. When updating your 2023 Marketplace application, be sure to indicate that you're losing your 2022 health coverage as of December 31, 2022.
You have through January 15, 2023 to change plans for 2023, even if you're automatically enrolled.
If you have questions about your plan's availability for 2023, call your current health insurance company.
To protect you from a gap in coverage, if you don't choose a plan by December 15, 2022, 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. (Your plan isn’t activated until you pay your first monthly premium.)
All 2022 Marketplace plans end December 31, 2022, no matter when you enrolled.
If you don’t enroll by January 15, 2023, you can't enroll in a Marketplace health insurance plan for 2023 unless you qualify for a Special Enrollment Period.
No. Even if you're automatically enrolled in a new plan, you're under no obligation to keep this new plan. Plans are only effective once you pay your first premium.
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 premium payment. You may be able to pay online.
Learn more about changing from the Marketplace to Medicare.