How to make updates when your income or household change

Reporting income & household changes after you're enrolled

IMPORTANT: Need to update your application to enroll for 2017?

Just log in to your HealthCare.gov account, select your 2017 application, and update your expected income and household changes for the year. Then continue with your 2017 enrollment.

Act by December 15 and your new coverage and changes will take effect January 1.

The information below helps you make changes after you’re already enrolled in a plan for the year.

Updating income & household information after you’re enrolled

If you’re enrolled in a Marketplace plan, you should update your application with income and household changes as soon as possible.

Why it’s important to update your application immediately

  • If your income estimate goes up or you lose a household member:
    • You may qualify for less savings than you’re getting now. If you don’t report the change, you could wind up having to pay money back when you file your federal tax return.
  • If your income estimate goes down or you gain a household member:
  • Changes can affect your health coverage:
    • Certain changes may qualify you for a Special Enrollment Period, allowing you to change plans outside the Open Enrollment Period or have your coverage start sooner.
    • Changes may affect your premium tax credit, other savings, and coverage options.

See how your savings may change

Use this tool from the IRS to see how income and household changes can affect your savings.

If you need to cancel your plan

Some changes — like starting Medicare coverage or getting a job-based insurance offer — require you to cancel your Marketplace plan. Or you may want to cancel coverage for another reason.

Learn how to cancel your plan.