Changes to Report to the Marketplace

To ensure your coverage and savings are accurate, report the following changes to the Marketplace promptly:

1.Income Changes:

1. • Report any changes in your income. Learn how to estimate your new income.

2. Health Coverage Updates:

• If someone in your household:

  • Receives an offer for job-based insurance.
  • Gains coverage through Medicaid, CHIP, or Medicare.
  • Loses existing coverage.

• Consider ending your Marketplace plan if a household member obtains job-based insurance.

3. Household Changes:

• Birth or adoption.

• Placement of a child for adoption or foster care.

• Pregnancy.

• Marriage or divorce.

• A child on your plan turns 26.

• Death of a household member.

• Change in dependents.

• Moving to a new address within the same state.

• For moves to a different state, follow the specific out-of-state procedures.

4. Corrections:

• Update errors in name, date of birth, or Social Security Number.

5.Status Changes:

• Changes in disability status, tax filing status, citizenship, or incarceration status.

How to Report Changes to the Marketplace

To report changes to the Marketplace, update your application through one of the following methods:

1.Online Updates:

1. • Log in to your HealthCare.gov account.
   • Select the application you wish to update.
   • Click “Report a Life Change” in the left-hand menu.
   • Choose the type of change you need to report (e.g., income, household members, address).
   • Follow the prompts to make and submit your updates. This will not disrupt your current coverage.
   • Complete all steps on your To-Do List to ensure your changes take effect.

2.By Phone:

1. • Contact the Marketplace Call Center. A representative will assist you in updating your application.

3.In-Person Assistance:

• • • Visit a local community resource or navigator who can help you update your application.

Note: If you move to a new address within the same state, follow the online update process. For moves to a different state, you will need to start a new application. Learn how to handle out-of-state moves.

How to Report a Move

The procedure for reporting a move depends on whether you are relocating within the same state or moving to a different state.

Relocating Within the Same State:

• Update your application with your new address. Although your coverage options and savings are unlikely to change, we will inform you if you need to select a new plan.

Relocating to a Different State:

• Important: Your current plan cannot be transferred to a new state. It is essential to report your out-of-state move immediately to prevent any coverage gaps and ensure you are enrolled in a plan appropriate for your new location.

  • Steps:

    1. Initiate a new Marketplace application specific to your new state.
    2. The application process will vary depending on whether your new state utilizes HealthCare.gov or operates its own website.
    3. When updating your application, select “Start a New State Application.”
    4. To report a move, choose “Report a move to a new state,” then click “Continue.” On the “Moving to a new state” screen, select “Continue” again and choose your new state and coverage year from the drop-down menu.

For additional support, please refer to HealthCare.gov or contact the Marketplace directly for further instructions.

Canceling Your Marketplace Plan

You may need to cancel your Marketplace insurance plan if you acquire other health coverage or for other reasons. The process and timing for canceling your plan will depend on:

1.The Reason for Cancellation: This could include obtaining a job-based health plan, qualifying for Medicaid or Medicare, or deciding to terminate coverage for other reasons.

2.Scope of Cancellation: Determine whether you are canceling the plan for all covered individuals or just for specific members.

To ensure a smooth transition, please review your options and proceed with the necessary steps based on your specific situation.