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If you have Marketplace coverage and become eligible for
A joint federal and state insurance program that provides free or low-cost health coverage to some low-income individuals, families, children, pregnant women, the elderly, and people with disabilities.
Refer to glossary for more details.
or the
A joint federal and state insurance program that provides free or low-cost health coverage to children and pregnant women in families that earn too much to qualify for Medicaid.
Refer to glossary for more details.
that counts as
Any health insurance that meets the law’s minimum requirements for comprehensive health coverage, like Marketplace plans, Medicare, Medicaid & CHIP, and some job-based and individual plans.
Refer to glossary for more details.
, consider ending your Marketplace coverage.
Once you're eligible for Medicaid or CHIP, you no longer qualify for savings on your Marketplace plan
A monthly amount you pay for coverage whether you get services or not.
Refer to glossary for more details.
or
Costs you pay when you get a service covered by your plan (like deductibles, co-pays, and coinsurance) plus all costs for any items not covered by your plan
Refer to glossary for more details.
. You'll have to pay full price for your Marketplace plan.
1. Make sure you're eligible for Medicaid or CHIP
Your state may send you a letter that says you "may be eligible" or that "you're eligible but they may need more information." If they ask for information, send it right away.
Wait until you have a final decision from your state agency that says you're eligible before you end your Marketplace coverage.
Warning:
If you end your Marketplace plan before you get a final decision, you may have to wait to re-enroll and have a gap in coverage.
If you're not sure if you or household members have Medicaid, contact your state agency. For CHIP, call 1-877-KIDS-NOW (1-877-543-7669).
2. End Marketplace coverage
End your Marketplace coverage when your Medicaid or CHIP coverage starts. Your
A tax credit you can use to lower your monthly insurance payment (your “premium”).
Refer to glossary for more details.
or
Extra savings/Cost-sharing reductions A discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance
won't stop automatically.
Warning:
Avoid paying back the premium tax credit
If you use the premium tax credit to lower your monthly premium and don't end your Marketplace coverage, you'll have to pay back the premium tax credit you use when you file your federal taxes.