Reporting income & household changes after you're enrolled

Update your coverage for 2022 — or get ready to update for 2023

If you have a 2022 Marketplace plan and experience changes, update your 2022 application as soon as possible. These pages explain how to do that.

Note: Starting November 1, you'll update your 2023 application with any changes you expect for the year ahead. Learn how to get ready for 2023 Open Enrollment.

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

These changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for. After you finish applying or enrolling, you may be asked to submit documents to confirm your income.

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 have to pay money back when you file your federal tax return.
  • If your income estimate goes down or you gain a household member:

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.