What if I want to change Marketplace plans after I enroll?



Open Enrollment ended March 31, 2014. Now that Open Enrollment is over, you may not be able to replace your coverage.

To change plans outside Open Enrollment

You can enroll in new coverage outside Open Enrollment only if you have a qualifying life event that gives you a special enrollment period.

Learn more about how you qualify for a special enrollment period.

If you don’t have a special enrollment period, you must wait for the next Open Enrollment period to enroll in a Marketplace plan.

The Open Enrollment period for 2015 coverage is November 15, 2014 through February 15, 2015.

Important: If you cancel coverage without replacing it, you may have to pay a penalty for the months you’re not covered.

To cancel your coverage, log in to your Marketplace account and select the red “Terminate/end all coverage” button.

To change plans with a special enrollment period

If you have a special enrollment period due to a qualifying life event, you can change plans outside Open Enrollment. You usually have 60 days from the life event to enroll in a new plan.

Learn more about how you qualify for a special enrollment period.

If you have a special enrollment period, you can change plans 2 ways:

  • Online. Log in to your account and report your life changes on your application by selecting the “Report a Life Change” button. If your new eligibility notices says that you qualify for a special enrollment period, you can then shop for plans and change your selection.

  • By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)

You can appeal a Marketplace decision to deny you a special enrollment period. Learn how to file an appeal.

To change plans during Open Enrollment

You can change plans during Open Enrollment but before your coverage has taken effect 2 ways:

  • Online. Log in to your account. Select My Plans and Programs. Select the red “End/Terminate All Coverage” button. Navigate to “Eligibility & Appeals.” Select the green “Continue to Enrollment” button. You can then shop for plans and change your selection. Note that depending on the date you confirm your new plan, the coverage start date may be later than your original selection.

  • By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).

Understanding effective dates

The effective date is the earliest date your coverage can begin, not the date you first use the coverage.

For example, if you choose a plan in February by the 15th your coverage would become effective March 1st. So you have until February 28th to change your plan.

If you change plans between February 16th and the end of the month, your coverage won’t take effect until April 1st.