How to make updates when your income or household change

Reporting income & household changes after you're enrolled

Update your coverage for 2017 – or get ready to update for 2018

If you have a 2017 Marketplace plan and experience changes, update your 2017 application ASAP. These pages explain how to do that.

Note: Starting November 1, you’ll update your 2018 application with any changes you expect for the year ahead. Learn how to get ready for 2018 Open Enrollment.

If you’re enrolled in a Marketplace plan and your income or household change, you should report the 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.

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.