Renew, change, update, or cancel your health plan for 2022

If you have Marketplace health insurance in 2021, you can renew, change, or update your plan for 2022 during the 2022 Open Enrollment Period, November 1, 2021 to January 15, 2022. Act by December 15, 2021 for coverage that starts January 1, 2022.

Your 2022 insurance status

By November 1, 2021, you should get 2 letters — one from your current insurance company and one from the Marketplace.

  • Together they'll explain:
    • Your 2022 coverage status
    • Which plan (if any) you’ll be enrolled in or matched with if you don’t act by December 15, 2021
    • Any changes in your coverage and financial help
    • Directions if you need to send the Marketplace any documents
  • If you don't get your insurance company letter by November 1, contact your insurance company.
  • If you don't get your Marketplace letter by November 1, contact the Call Center.

See more about your 2022 letters.

Important: Update & compare plans for 2022

No matter what plan you want to enroll in, we strongly recommend that starting November 1, 2021 you update your Marketplace application with your expected income and household information and compare your current plan to what’s available for 2022. Select a plan by December 15, 2021 for coverage that starts January 1, 2022.

  • New, affordable plans may be available this year. Plans and prices change every year. Your situation may have changed too. You may find 2022 plans with coverage and features that better meet your needs — especially if you have had or expect income or household changes.
  • Update your application so your 2022 Marketplace savings are correct. Marketplace savings are based on your expected income for 2022 (not 2021). If you don't update your income and household information, your premium tax credit and other savings could be wrong for 2022. If this happens:
    • You could wind up paying more for your monthly premium than you have to.
    • You may use more advance payments of the premium tax credit than you qualify for. You'd then have to pay back some or all of the difference when you file your federal taxes.
  • You may be automatically enrolled for 2022 — but we strongly recommend you update your application and check out new insurance plans first. If you don’t renew or enroll in a plan by December 15, 2021, you may be automatically enrolled in the same or a similar plan with coverage that starts January 1, 2022. But the best way to make sure you have a 2022 plan that meets your current needs, and with the Marketplace savings you qualify for, is to log in to update your information and see all the plans available to you for 2022. You should do this even if you want to keep the same plan.
  • In some cases, you won't be automatically enrolled. Just enroll in any available plan by December 15, 2021, to make sure you're covered on January 1, 2022.

Cancel you 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 termination can take effect 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.

Learn how to cancel your coverage.

More answers: Renew, change, update, or cancel your plan for 2022

What if my premium went up, my coverage changed, or I don't like the plan I'm being offered for 2022?

Log into your HealthCare.gov account as soon as November 1, 2021; update your application; and check out the plans available to you for 2022. New plans, prices, and features may be available.

If you don’t enroll in a new plan by December 15, 2021 you may be automatically enrolled in or matched with a 2022 plan. That way you'll be covered on January 1, 2022. If you don’t pay the first premium, the plan won’t be activated.

You can change plans until January 15, 2022, even if the coverage you were automatically re-enrolled in has started. Learn about your choices if you were automatically 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 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 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.

Why is my premium tax credit different from what I had in 2021?

Your premium tax credit is based on the most current information available about your income and household size. That may be information on your 2021 application, or information from other sources, like the IRS. Financial help is based on your expected income for 2022, not 2021.

That's why it's so important to update your application with income and household changes you expect for 2022. 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, 2021. Select a plan by December 15, 2021, and you'll have the right amount of savings, and the plan you want, starting January 1, 2022.

Plan premiums in your area may have changed too, and that can affect your premium tax credit.

Why does my Marketplace notice say I won't get a premium tax credit this year?

There are several possible reasons. But even if you’re told you don't qualify for financial help, update your application for 2022, 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 2022.
  • You may need to send us information or take other actions before you qualify for a 2022 premium tax credit. Your notice will provide instructions and deadline information.
  • We may not have a record showing you filed a federal income tax return to reconcile a premium tax credit you used in 2020. 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 2021 Marketplace application, you may not have allowed the Marketplace to use your updated tax information automatically for future years.
My health insurance company letter says it isn't offering my plan this year. What are my options?

If your insurance company letter says they aren't offering your plan or a similar plan through the Marketplace in your area for 2022, 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 2022. When updating your 2022 Marketplace application, be sure to indicate that you're losing your 2021 health coverage as of December 31, 2021.

You have through January 15, 2022 to change plans for 2022, even if you're automatically enrolled. Enroll in the plan that's right for you by December 15, 2021 for coverage that starts January 1, 2022.

If you have questions about your plan's availability for 2022, call your current health insurance company.

What happens if I don't choose a plan by the deadline?

To protect you from a gap in coverage, if you don't choose a plan by December 15, 2021, 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.)

When does my 2021 Marketplace plan end?

All 2021 Marketplace plans end December 31, 2021, no matter when you enrolled.

What are the deadlines for 2022 coverage?
  • November 1, 2021: Open Enrollment starts.
  • December 15, 2021: Deadline for coverage that starts January 1, 2022.
  • January 15, 2022: Last day to sign up for 2022 coverage.

If you don’t enroll by January 15, 2022, you can't enroll in a Marketplace health insurance plan for 2022 unless you qualify for a Special Enrollment Period.

If I don't want a 2022 Marketplace plan but am automatically enrolled, do I need to cancel my plan?

No. Even if you're automatically enrolled in a new plan, you're under no obligation to activate this new plan. Plans are only activated once you pay your first premium.

How do I complete my enrollment and pay my 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 insurer about how and when to make your premium payment. You may be able to pay online.

What if I’m transitioning to Medicare coverage this year?

Learn more about changing from the Marketplace to Medicare.