Skip to main content

An official website of the United States government

Here's how you know

Staying covered if you lose Medicaid or CHIP

Get coverage now
Fill out an application, compare plans, and enroll in Marketplace health coverage. Log in or create account to start your application.
For the past few years, states had to continue your coverage in Medicaid (and in some cases the Childrenโ€™s Health Insurance Program (CHIP)), even if your income or other factors changed that would typically make you ineligible.
States are now returning to normal operations, so your state will start checking eligibility for these programs again.ย Your state will reach out to you if they need more information to check if you're still eligible to keep your coverage. You can prepare by updating your contact information with your state and checking your mail for a letter from your state. Complete and submit any forms your state asks for right away.
If your state finds that your household income is too high or other changes make you ineligible, you may lose your Medicaid or CHIP coverage.
The Marketplace may contact you. When you lose Medicaid or CHIP coverage, your state securely sends your contact information to the Marketplace. Weโ€™ll use it to mail you a letter about Marketplace coverage. We may also follow up with you by phone, text, or email, if you gave that contact information to your state. You donโ€™t need to wait for us to contact you to apply for coverage.

Apply for Marketplace coverage right away

  • You may be able to get low-cost, quality health coverage through theย 
  • All Marketplace plans cover things like prescription drugs, doctor visits, urgent care, hospital visits, and more.
You can apply and enroll in a Marketplace plan as early as 60ย daysย beforeย your Medicaid or CHIP coverage ends to avoid a gap in coverage. Between March 31, 2023 and November 30, 2024, you can also apply for a Marketplace plan anytime after your Medicaid or CHIP coverage ends and you will have 60 days after submitting your application to enroll in a plan that will start at the beginning of the next month after you complete your enrollment.

Most people qualify for savings

When you apply to the Marketplace, youโ€™ll find out if you qualify for:
  • Savings, like aย 
    ย that lowers your monthly premium
  • Extra savings (called โ€œ
    โ€) to lower what you pay when you get services, likeย 
    ย andย 
To apply, youโ€™ll first create an account (or log into your account if you already have one).

Local help in your community

About a month after we send you the first letter, if you havenโ€™t enrolled in coverage, we may send you another letter with information about an assister organization that works with us to help your local community. Marketplace assisters provide free, fair, impartial, and accurate information to you and your household.
A Marketplace assister in your community may contact you by phone, text, or email with the information you provided to your state Medicaid or CHIP agency. Assisters are trained by us to give you information about your health coverage options, answer your questions, and help you enroll in a Marketplace plan, Medicaid, or CHIP. Assisters will:
  • Never ask you for your credit card number or any other form of payment
    • Their services to help you get health coverage are free of charge
    • When you enroll in a health plan, youโ€™ll always pay your premiums directly to the insurance company โ€“ never to the Marketplace or its assisters.
  • Always provide a Privacy Notice Statement, and get your consent or โ€œauthorizationโ€ before discussing or accessing your personal information

To get help with your coverage options or to apply for Marketplace coverage, find local help near you or contact the Marketplace Call Center.
Say no to scams
Donโ€™t share your personal information or give money to anyone saying you have to pay them to keep Medicaid or CHIP coverage or apply for Marketplace coverage. The Marketplace, assister organizations, and your state will never threaten you or anyone in your household or ask for your credit card information or payment to keep or qualify for health coverage.
Report it if someone calls, emails, or texts you asking for:
  • Your personal information (like your Social Security Number)
  • Money (like credit card payment, gift cards, cash, prepaid debit card, or cryptocurrency)
  • Or, if they threaten you or anyone in your household with legal action
Report it to the Federal Trade Commission. Also contact your local police department. Learn more about scams.

Re-apply if you lost or will soon lose Medicaid or CHIP

If your state says youโ€™re no longer eligible for Medicaid or CHIP coverage, you canย re-apply through your stateย to find out if you still qualify. (In all states, Medicaid and CHIP offers health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities.)

Check with your employer about job-based coverage

Your employer may offer health insurance. If they do, find out how to decide between job-based or Marketplaceย coverage.ย 

Learn more about the Marketplace:

Qualify for Medicare?
If you now qualify for Medicare but didn't sign up for it when you first became eligible, you may be able toย sign up for Medicareย without paying a late enrollment penalty.