Keeping, changing, or updating your Marketplace plan | HealthCare.gov
If you have Marketplace health insurance in 2022, you can renew, change, or upgrade your plan for 2023 during the 2023 open enrollment period (November 1, 2022 – January 15, 2023). Enroll by December 15, 2022 for coverage beginning January 1, 2023.
Important: Beginning November 1, update your income and household information on your 2023 application so you get the correct amount of savings. then you can compare all available plans and sign up for the one you want.
Reading: When can i get health insurance for 2022
your insurance status for 2023
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Before November 1, 2022, you should receive 2 letters: one from your current insurance company and one from the marketplace.
- together they will explain to you:
- your coverage status for 2023
- what plan (if any) you will be enrolled in or assigned to if you do not act by December 15, 2022
- any change in your coverage and financial help
- addresses if you need to send any documents to the market
- If you don’t receive the letter from your insurance company by November 1, contact your insurance company.
- If you don’t receive your letter from the Marketplace by November 1, please contact the call center.
- New, affordable plans may be available this year. Plans and prices change every year. your situation may also have changed. You can find 2023 plans with coverage and features that better meet your needs, especially if you had or expect changes in your income or household.
- update your application so your 2022 market savings are correct. market savings are based on your 2023 expected income (not strong> by 2022). If you don’t update your income and household information, your premium tax credit and other savings could be incorrect for 2023. If this happens:
- You could end up paying more than you owe for your monthly premium.
- You can use more advance payments of the premium tax credit than you qualify for. then you would have to pay back some or all of the difference when you file your federal income tax return.
- You may be automatically enrolled for 2023; Still, update your application and check out other insurance plans. Make sure you get the plan that meets your needs. If you don’t renew or enroll in a plan before December 15, you may be enrolled in the same plan or a different plan with similar coverage. That coverage will start on January 1, 2023. But the best way to make sure you have a 2023 plan that meets your current needs and at the marketplace savings you qualify for is to log in to update your information and see all available plans. to you for 2023. You must do this even if you want to keep the same plan.
- In some cases, you won’t be automatically enrolled. Enroll in a plan before December 15, 2022 to ensure coverage for 2023.
- everyone on the application after your coverage has begun. your termination may be effective as early as the day you cancel, or you may set the date your coverage ends market to a day in the future, as if you knew your new coverage would start the first day of the following month.
- Only certain people on the application. In most cases, your coverage will end immediately.
cancel your health plan: anytime
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You can cancel your Marketplace coverage at any time. you may need to do this if you get other health coverage or for another reason.
You can end coverage for:
Learn how to cancel your coverage.
more answers: renew, change, update or cancel your plan for 2023
update & compare plans for 2023
Beginning November 1, update your marketplace application with your expected income and household information. Then compare your current plan to what’s available in 2023. Regardless of which plan you want to enroll in, we recommend that starting November 1, 2022, you update your Marketplace application with your income. expected and your household information. Then compare your current plan to what’s available for 2023. Select a plan by December 15, 2022 for coverage beginning January 1, 2023.