When the Marketplace needs more information

Required documents & deadlines

If you’re asked to verify or add to information you entered on your Marketplace application or need to prove your Special Enrollment Period status, you’ll get notices (letters, emails, or both) telling you which documents to submit to avoid losing your health plan or any financial assistance you’re getting.

Which documents to submit

You'll need to send different documents based on what we need to verify. Your notice includes the list of acceptable documents to resolve your particular issues.

Documents to verify info from your application

See how to upload documents to verify information from your application.

Documents to verify your Special Enrollment Period status

See how to upload documents to prove your Special Enrollment status.

Your submission deadline

Your deadline to submit documents depends on the type of information matching issue you have or when you got the notice asking for proof of your Special Enrollment Period.

  • For data matching issues: You’ll have at least 90 days from the date of your eligibility notice (usually the date you completed your application) to resolve the health insurance issue before your plan could end or change. (Note: For citizenship and immigration data matching issues, you have 95 days.)
  • For Special Enrollment Period eligibility: You have 30 days to send documents that prove your eligibility for a Special Enrollment Period.

What happens if you don't submit documents by your deadline

If you don’t meet your deadline, the Marketplace will make a new determination of the insurance and savings you’re eligible for. These results will be based on information from our data sources, not on what you put on your application.

The new results may change your current insurance eligibility and costs.

  • If you were found eligible for a premium tax credit: The amount could change or you may lose it entirely.
  • If you were found eligible for savings on out-of-pocket costs (known as “cost sharing reductions”): The amount could change or you may lose these savings entirely.
  • If you told us someone on your application is a U.S. citizen or U.S. national, or has eligible immigration status, but don’t submit the required documents in time: Their health insurance could be terminated.

More Answers: Required documents & deadlines

What should I do if I can't find my notice?

Check your Marketplace account online to see your data matching issues:

  1. Log in to your Marketplace account.
  2. Select "Start a new application or update and existing one."
  3. Click on your name in the top right of the screen and select "My applications & coverage" from the dropdown.
  4. Select the application with the data matching issue under "Your existing applications."
  5. Use the menu on the left side of your screen to click on "Application details."

    Note: You should see a full list of data matching issues that apply to you and your household listed under "Send documents for data matching issues."

Follow the directions on the screen for each issue.

What if I missed the deadline?

You should still submit the documents. Your Marketplace coverage and savings may depend on it.

If I’m asked to verify my income, what documents can I submit to show it will go up or down this year?
  • If you don't expect your income to change for the year you’re seeking coverage: You can provide your most recent tax return or W-2s. If you have a different job than you had last year but expect the same income, don't send documents that show income from your old job. Send recent pay stubs from the new job instead. See more details about acceptable income documents.
  • If you expect your income to go up or down for the year you’re seeking coverage: You can provide other documents, like recent pay stubs or a document that states when contract work will end or what your new wages will be. For a full list of documents you can use to verify your estimated income, refer to the table on page 8 of this document (PDF).