Keep or change your insurance plan

The yearly period (November 1 – January 15) when people can enroll in a Marketplace health insurance plan.

Refer to glossary for more details.

, if you have Marketplace coverage, we'll automatically enroll you in a plan for next year, so you avoid a gap in coverage.

To make sure you get the savings you qualify for and have a plan that works for you, act by December 15 so coverage starts January 1.

You'll get a letter telling you if you'll be automatically enrolled in the same or a different plan.

If you don't want that plan, enroll in a different one by December 15.
If you're automatically enrolled and your coverage started, you can still change plans until January 15 (when Open Enrollment ends).

Log in to update, compare plans, & enroll

Update your application with your expected income and household information for the plan year you want coverage.
Compare the plan you're matched with to other plans available to you.
Pick the plan that best meets your needs and enroll in it — you can choose to enroll in the one you're matched with or any plan available to you.

After Open Enrollment ends, you can enroll in or change plans only if you qualify for a Special Enrollment Period

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Refer to glossary for more details.

Why was I automatically enrolled into a different health plan?

It's normal for insurance companies to sometimes change or end the plans they offer in the Marketplace.

If so, we'll automatically enroll you in a plan. This may be the same plan you have now or a different plan with your same insurance company. If your company isn't offering plans for the next year, we'll enroll you in a plan with a different insurance company. If you qualify for cost savings, we may enroll you in a plan that lowers your out-of-pocket costs. Your letter from your insurance company will explain your options for coverage.

This protects you from a gap in coverage.

You can accept the enrollment in the plan we matched you with or compare your options and change plans.

An insurance company can't move you to a different plan based on your health or how much care you use. Learn about how insurance companies can price plans.

What if I don't like the plan or the premium went up?

You can enroll in a different plan during Open Enrollment (November 1-January 15). Log into your Marketplace account and update your application. Then, enroll in a plan that meets your needs. You must pay your first premium for coverage to start.

If you’re automatically enrolled into a plan, that coverage starts on January 1. If you don’t want that plan, enroll in a different plan by December 15.
If your automatic enrollment coverage started, you can still change plans until the end of Open Enrollment. Enroll by January 15 for coverage to start February 1.

If you don't want Marketplace coverage for next year, you need to act to stop coverage (or you'll be automatically enrolled).

An insurance company can't move you to a different plan based on your health or how much care you use. Learn about how insurance companies can price plans.

I don't want Marketplace coverage for the new year. Can I stop the Marketplace from automatically enrolling me?

Yes. If you don't want us to automatically enroll you into a plan for coverage that starts January 1, take action no later than December 15:

Log into your Marketplace account.
Select your 2023 application — not your 2024 application.
On the "My Coverage" page of your 2023 application, select "Stop coverage for 2023."

If you don't complete these steps by December 15, you'll be automatically enrolled in a plan for next year.

Once you're automatically enrolled, you can log into your account up to December 31 to stop that coverage if you don't want it. If your coverage already started, get details on how to cancel coverage.

Before you end your Marketplace coverage, think about:

The significant health and financial benefits of having health coverage — and risks if you don’t. Nobody expects to get sick or hurt. But medical care without insurance is very expensive, so it’s important to have protection if the unexpected happens.
Health coverage helps you get regular care, including free

preventive services

Routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems. Refer to glossary for more details.

How will I know when I've been automatically enrolled?

You'll get a letter from the Marketplace saying if you've been automatically enrolled.

When you log into your account on or after December 16, you may see a message telling you that we've automatically enrolled you in a plan. You'll find this on your "My Applications & Coverage" page.