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Notice: During the government shutdown, continue using your 2025 health insurance plan and providers. Use this site to apply for and enroll in 2026 coverage during Marketplace Open Enrollment.

How to appeal a Marketplace decision

How do I file an appeal?

How you file an appeal (and the form you use) depends on where you live and if you have a Marketplace account.

Tips for filing an appeal

  • Include copies of any documents you have to support your appeal. Don't send original documents. Get details based on your situation.
  • Generally, appeals are processed in the order we get them. You can ask for a faster (expedited) appeal if you think waiting for a standard decision may seriously put your health at risk, like if you're in the hospital or need urgent medication.
  • If you need help, you can have someone you trust (like a family member, friend, advocate, or attorney) act on your behalf for your appeal by giving them permission to be your authorized representative. Get help with your appeal.
  • The decision of an appeal could impact coverage for other members of your household.
  • If eligible, enroll in a plan and pay your premiums during your appeal. If you drop or lose your coverage during your appeal, you may have to wait to re-enroll (even if your appeal is successful).
Notice:
We'll mail you a letter telling you if you're eligible to keep your coverage and continue to get
during your appeal. If you get the premium tax credit during your appeal and your appeal is unsuccessful, you'll have to pay back the tax credit you got during your appeal when you file your taxes.

Answer a few questions to find out

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