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When the Marketplace needs more information

Required documents & deadlines

After you submit your Marketplace application, you may need to submit documents to confirm your information.
You’ll get notices (letters, emails, or both) telling you which documents to submit and when they’re due. You may get a notice from your health insurance company too.

To find your letter:

  1. Log into your Marketplace account.
  2. Select “Messages” to view your Eligibility Notice and other letters about your coverage.
  3. If you need to take an action or submit documents, your letter will include details about what to do and the deadline.
You can also:
  1. Log into your Marketplace account.
  2. Select your application under “Your applications,” then “Application details.”
  3. We’ll tell you if you need to take an action or submit documents. 
 

Find out which documents to submit

You need to send different documents based on what we need to confirm. You may need to confirm more than one item on your application. 
Get a list of documents you can submit to confirm:
Your letter also includes the list of acceptable documents to send.
After you gather your documents, save them on your computer and log into your Marketplace account to upload them. Get details on file types you can upload.
Upload documents

To upload documents:

  1. Log into your Marketplace account.
  2. Select your current application, then select "Application details."
  3. Select "Upload documents" for each item you need to confirm.
Get screen-by-screen directions, with pictures (PDF, 835 KB). 

Submit documents right away

Your deadline to submit documents depends on the type of information you need to confirm. Your letter will include the date we need to get your documents. You have:
  • 90 days to confirm information that doesn't match our records, like your household income
  • 95 days to confirm your citizen and immigration status
  • 30 days to confirm eligibility for a Special Enrollment Period, like a marriage, move, or loss of coverage
If you don’t send the information we need, we’ll use the information we have (not what you entered on your application) to re-check your eligibility. Based on the re-check results, you may: 
  • Get less or lose the
    or
    towards your Marketplace plan.
  • Lose Marketplace coverage if we can't verify someone on your application is a U.S. citizen, U.S. national, or lawfully present immigrant.
Notice:
Submit documents, even if you miss the deadline. You might re-qualify for savings or Marketplace coverage. 

More Answers: Required documents & deadlines

If I'm asked to confirm my income, what documents can I submit to show that my income 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 from last year but expect the same income, send documents like pay stubs that show income from your new job (not your old job).
  • If you expect your income to go up or down for the year you want coverage: You can can submit recent pay stubs or a document that states when contract work ends or what your new wages will be.
  • If your income is hard to predict, like self-employment (temporary, freelance, or gig work): You can submit other documents, like a self-employment ledger of a Letter of Explanation (linked below).
    Get a full list of acceptable income documents.
Notice:
Can’t find documents that show your income for the current year?
Fill out and upload an "Annual Income Letter of Explanation" (PDF, 97 KB) with your total income amount for the year. 
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