You may want to end your Marketplace plan if you get health coverage outside the Health Insurance Marketplace – like from a job-based plan or a program like Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP).

Take action as soon as possible.

  • If you’re ending coverage for everyone on the application, your termination can take effect as soon as 14 days from the day you cancel. Your health insurance company will collect premiums for this final two-week period of coverage. You can set the Marketplace coverage end date to a day more than 14 days in the future – like if you know your new coverage will start on the first day of the following month, and that’s more than two weeks away.
  • If you’re ending coverage for just some people on the application, in most cases their coverage will end immediately. In some cases, coverage will not end immediately, including when the household members who remain enrolled in coverage qualify for a Special Enrollment Period.

When and how to end your Marketplace plan

When and how you end your Marketplace plan depends on your situation.

IMPORTANT: Don't end your Marketplace plan until you know for sure when your new coverage starts. Once you end Marketplace coverage, you can’t re-enroll until the next annual Open Enrollment Period (unless you qualify for a Special Enrollment Period).

Choose your situation below to see step-by-step instructions for ending your Marketplace plan.

If you’re “eligible” or “may be eligible” for Medicaid or CHIP

You’ll follow a slightly different process to end your Marketplace coverage if you’re eligible for Medicaid or CHIP. This includes what to do if you get a notice from the Marketplace saying you may be eligible for Medicaid or CHIP. Visit our Medicaid & CHIP section for instructions on cancelling your Marketplace plan when you get Medicaid or CHIP.

If you’re eligible for Medicare

See “Changing from the Marketplace to Medicare” for instructions on cancelling your Marketplace plan.

If a child on your plan is turning 26

See "Getting your own health coverage when you turn 26."

If you’re ending your Marketplace coverage without replacing it

You can end a Marketplace plan without replacing it any time. But there are important things to think about before you do.

If you end your health coverage and don’t replace it, you may have to pay a fee for the months you don’t have coverage. The fee in 2017 is higher than it was in past years. There are also important health and financial risks if you don’t have health coverage. Learn more about the risks and costs of not having health coverage.
If you’re ending coverage for the household contact

The household contact is usually the person who created the Marketplace account, and may have filled out the application to buy the Marketplace plan for a spouse or dependents.

You must contact the Marketplace Call Center to:
  • Change the household contact
  • Remove the household contact from the plan if others in your household are staying on the plan
Don’t try to change or remove the household contact online unless you’re ending coverage for everyone on the plan. It’s important to do this by phone so dependents can stay on the plan.
If you’re ending coverage for everyone on your plan

You can end coverage for everyone on your Marketplace plan.

You may want to do this if everyone gets coverage from another source.
Follow these steps to end Marketplace coverage for everyone on your Marketplace plan:
  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Select your application under “Your existing applications.”
  4. On the left side of the screen, select “My Plans & Programs.”
  5. Scroll down and select the red button that says “End (Terminate) All Coverage.”
  6. Select the date you want to end your coverage (as soon as 14 days from the current date).
  7. Check the attestation box.
  8. Click the red “Terminate Coverage” button.
A red “Terminated” or “Cancelled” status should appear above the plan you ended.
You can also end your plan by phone. Contact the Marketplace Call Center.
If you’re ending coverage for just some people on your plan

You can end coverage for just some people on your Marketplace plan, such as a spouse or dependents.

You may want to do this if someone in your household gets coverage from another source, but the rest of the people on the application want to keep their Marketplace coverage.
To end coverage for anyone other than the household contact, follow these steps to end Marketplace coverage only for some people:
  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Select your application under “Your existing applications.”
  4. Click “Report a life change” on the menu to the left.
  5. Click “Report a Life Change” near the bottom of the page.
  6. Select “Report a change in my household’s income, size, or other information.”
  7. Check the attestation box, then click “Save & Continue.”
  8. Continue through the application, updating information as necessary.
  9. For the “Who Needs Coverage” question, indicate the household members who want to keep Marketplace coverage.
  10. Click “Save & Continue.”
  11. Click "Remove" for people you want to remove from the Marketplace plan.
  12. Confirm the removals and answer any following questions.
  13. Click “Save.”
  14. Note: You must complete steps 11, 12 and 13 for each household member you want to remove from Marketplace coverage. After removing these people from the list of people who need Marketplace coverage, if they’re still members of your tax household (like your spouse or tax dependents on your federal income tax return), you need to add them back in as people in your household who don’t need Marketplace coverage. This is because your savings are based on income for everyone in your household -- including people who don’t need coverage.
  15. Continue clicking through the application, updating information as necessary.
  16. When you get to the screen that asks about your household information, answer the questions appropriately and list members of the tax household. This may include listing people you just removed as an applicant, if they’re still a member of the tax household.
    • Click “Save & Continue.”
    • Continue clicking through the application, adding or updating information as needed.
  17. Click “View Eligibility Results.” After you’ve read them, click “Continue to Enrollment.”
  18. Important: Complete all items on the “To-Do List,” including selecting and confirming a plan.
    • The plan selection will show only people who applied and were found eligible to enroll in a Marketplace plan. Anyone who is or may be eligible for Medicaid or CHIP OR who is no longer applying for Marketplace coverage won’t appear in the plan selection.
    • Anyone continuing Marketplace coverage must select and confirm enrollment in a Marketplace plan for the coverage changes to take effect. Anyone eligible for a Special Enrollment Period can select a new plan if they want to.
    • Once enrollment in a Marketplace plan is confirmed, coverage will be ended for the people you’ve removed.
In most cases, when you end coverage for only some people on your application, their coverage ends immediately.
But in some cases, coverage won’t end immediately, including when the people staying on the Marketplace plan qualify for a Special Enrollment Period. For example, if you update your household income after ending coverage for one or more people and the amount of premium tax credits or other cost savings changes, the remaining enrollees may qualify for a Special Enrollment Period.
If Marketplace coverage doesn’t end immediately for the person being removed from the plan:
  • Person is removed on or before the 15th of the month: Coverage ends on the last day of the current month.
  • Person is removed after the 15th of the month: Coverage ends on the last day of the next following month.
You can also end your plan for just some members of your household by phone. Contact the Marketplace Call Center.
If you’re ending coverage for somebody who has died and you’re on the same Marketplace application as the deceased enrollee

It’s important to report the death of an enrollee to the Marketplace as soon as possible. This allows coverage of the deceased to be terminated and the premium tax credits and other savings for remaining plan members to be adjusted.

If you’re the household contact and someone on your plan dies, you can end coverage for the deceased enrollee online. You can then contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) to report the date of death.
Household contacts or household members (18 and over) on the Marketplace application can instead contact the Marketplace Call Center to end coverage and report the date of death at the same time.
If it’s the household contact who’s died, another adult household member on the same application can update the application for the remaining household members.
If you’re ending coverage for somebody who has died and you’re NOT on the same Marketplace application as the deceased enrollee

It’s important to report the death of an enrollee to the Marketplace as soon as possible. This allows coverage of the deceased to be terminated and the premium tax credits and other savings for remaining plan members to be adjusted.

If you need to end coverage for someone because they’ve died and you aren’t the household contact or a member of the household on the Marketplace application, you can report the death of the enrollee as long as you’re at least 18 years old. Follow these steps:
Submit documentation of death, like a death certificate, obituary, court document providing proof of death, or proof that somebody has been named executor of the estate. The documentation or an attached note should include this information about the deceased:
  • Full name
  • Date of birth
  • Application ID (if known)
  • Social Security Number (if known)
  • Contact information for the person submitting the documentation, including name, address, and phone number
Mail all documentation to:
Health Insurance Marketplace
ATTN: Coverage Removal
Dept. of Health and Human Services
465 Industrial Blvd.
London, KY 40750-0001
The Marketplace Call Center will try to contact you about ending coverage for the deceased, and re-enrolling anyone else still on the plan. They may need to update tax filing, financial, or other information on their Marketplace application. These changes may qualify them for a Special Enrollment Period (SEP). This means they can change plans, even outside the annual Open Enrollment Period.
Contact the insurance company to see if any premium refunds or adjustments apply.
If your “grandfathered” health plan is changed or cancelled

If you get a notice from your insurance company that a grandfathered health plan outside the Marketplace you’ve had since before March 23, 2010 has been changed or cancelled, learn more about your options here.