For employers: Renewing or changing your SHOP Marketplace insurance plan

When to renew or change SHOP Marketplace insurance

You can start planning your renewal as soon as plan and price information is available for the quarter your coverage ends — usually by 45-60 days before your renewal date. We’ll send you a notice telling you when you can start.

It's very important to plan ahead to avoid a gap in your employees' coverage.

  • It's a good idea to start planning 6 to 8 weeks before your coverage year ends. This will allow time to update your application, consider options, make an offer, and let your employees make a decision.
  • You must give your employees at least one week to decide whether to accept the offer.
  • You must submit your enrollment by the 15th of the month before your plan year ends.

Example of SHOP renewal timeline

  • Coverage ends: March 31
  • Start renewal planning: February 1
  • Make renewal offer to your employees: February 16
  • Employees must respond by (if you provide 2 weeks): March 1
  • Submit your completed enrollment: Any time before March 15
  • New coverage takes effect: April 1
Renewal dates to avoid a coverage gap
If your SHOP coverage ends: Start planning to renew by: Complete your enrollment by:

December 31, 2016

November 1, 2016

December 15, 2016

January 31, 2017

December 1, 2016

January 15, 2017

February 28, 2017

January 1, 2017

February 15, 2017

March 31, 2017

February 1, 2017

March 15, 2017

April 30, 2017

March 1, 2017

April 15, 2017

May 31, 2017

April 1, 2017

May 15, 2017

June 30, 2017

May 1, 2017

June 15, 2017

July 31, 2017

June 1, 2017

July 15, 2017

August 31, 2017

July 1, 2017

August, 15, 2017

September 30, 2017

August 1, 2017

September 15, 2017

October 31, 2017

September 1, 2017

October 15, 2017

November 30, 2017

October 1, 2017

November 15, 2017

Questions?