Getting Ready Open Enrollment 2016

Before you re-enroll or change for 2016: Update & compare

If you’re enrolled in a 2015 Marketplace health insurance plan, you can re-enroll or change health insurance plans for 2016.

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  • We strongly recommend you update your expected income and household information for 2016 – and check out new insurance plans and prices. You need to update your income and household information even if you want to keep your current health care plan. It’s the only way to be sure your premium tax credit for 2016 is accurate. You can take action as soon as November 1, 2015.
    FYI: 2016 plans and prices will be available for preview the third week of October, 2015.
  • If you don’t act by December 15, you’ll probably be automatically re-enrolled for January 1 – but your premium tax credit will be based on last year’s information or on information the Marketplace has from other sources. You might be automatically enrolled with no tax credit. What to know about automatic re-enrollment.
  • In some cases, you won’t be automatically re-enrolled. You’ll need to take action by December 15 to stay covered January 1, 2016. What to know if you’re not automatically re-enrolled.

Did you get a letter from the Marketplace or your health insurance company? Find answers about your letters.

Why it’s critical to update & compare for 2016

  • Plans and prices change every year. You may find a new health care plan that’s more affordable or works better for you, especially if your expected 2016 income or household will change.
  • If you don’t update your information for 2016, you might wind up with an outdated premium tax credit – or even a plan you’re not eligible for. That’s why it’s so important to update your Marketplace application with any income and household changes you expect for 2016 – even if you want to keep your current health plan.
  • Remember: Premium tax credits and other savings are based on the income and household information you expect for 2016, not last year’s information.
  • If you don’t update, you could pay more each month than you need to, or take a higher advance payment of the premium tax credit than you qualify for. If that happens, you’ll have to pay back some or all of it when you file your federal taxes.

Common questions

All 2015 Marketplace plans end December 31, 2015. This is true no matter when you enrolled.
  • December 15, 2015: The last day to update your information and change health insurance plans for changes to take effect January 1, 2016
  • December 31, 2015: All 2015 Marketplace coverage ends, no matter when it started
  • January 1, 2016: First day 2016 coverage can begin
  • January 15, 2016: The last day to enroll in a health insurance plan that starts February 1, 2016
  • January 31, 2016: Last day to sign up for 2016 coverage. Coverage starts March 1

Yes. But the only way to get a premium tax credit and other savings is to buy your plan through the Marketplace.

If your income is too high to qualify for a premium tax credit, you may want to explore plans outside the Marketplace.

Learn more about buying a plan outside the Marketplace.

Yes. But before you make this choice, consider the important benefits of health coverage -- and the significant financial and health risks of not having it.

In addition, the fee you pay if you’re uninsured nearly doubles in 2016.

If you don't want any Marketplace coverage in 2016, you’ll have to cancel it before December 15 so you’re not automatically re-enrolled. See how to cancel your health plan.

Learn more about the risks of being uninsured.


Ready to obtain the right health insurance? Check your eligibility for free or low cost health insurance through the marketplace in 4 simple steps...