Change or Update Your Plan Reporting changes

Cancel your Marketplace plan

You may want to cancel or terminate your Marketplace plan if you get health coverage outside the Health Insurance Marketplace – like from a job-based plan or a program like Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP).

  • You can end your plan for everybody on your application or just some people.
  • You can also end your plan without replacing it.

Ending your Marketplace plan if you get other health coverage

Take action to report changes

  • If you’re ending coverage for everyone on the application, your cancellation can take effect as soon as 14 days from the day you cancel. The Marketplace will collect premiums for this final two-week period of coverage. You can set the end date to a day more than 14 days in the future – like if you know your new coverage will start on the first day of the following month, and that’s more than two weeks away
  • If you’re ending coverage for just some people, in most cases, their coverage will end immediately.

Don't end your Marketplace plan until you know for sure when your new coverage starts. Once you end Marketplace coverage, you can’t re-enroll until the next annual Open Enrollment Period unless you qualify for a Special Enrollment Period.

Qualify for Medicaid or CHIP?

You’ll follow a slightly different process to end your Marketplace coverage if you’re eligible for Medicaid or CHIP. Visit our Medicaid & CHIP section for instructions on cancelling your Marketplace plan when you get Medicaid or CHIP.

Eligible for Medicare?

See “Changing from the Marketplace to Medicare” for instructions on cancelling your Marketplace plan.

How to end Marketplace coverage

You'll end coverage different ways depending on whether you want to end it for everyone on your Marketplace plan or just some people.

How to end coverage for everyone on your application

  • Log into "My Account."
  • Select “Visit the Marketplace for Individuals and Families.”
  • Select the application you want to end coverage.
  • On the far left side of the screen, select “My Plans & Programs.”
  • Scroll down and select the red button that says “End (Terminate) All Coverage.”
  • Select an effective date to end your coverage that’s at least 14 days from the current date and click the attestation.
  • Select the red “Terminate Coverage” button.

A red “Cancelled” or “Terminated” status should appear above the plan you ended.

You can also end your plan by phone.

How to end coverage for just some people

You can end coverage for just some people on your Marketplace plan.

You may want to do this if somebody gets coverage from another source, but the rest of the people on the application want to keep their Marketplace coverage.

Important: Changing the household contact. The subscriber is usually the person who created the Marketplace account and may have filled out the application to buy the Marketplace plan for a spouse or dependents. If you end coverage for the household contact, the household contact will remain the contact for everyone staying on the plan For help updating the household contact, you must contact the Marketplace Call Center. Don’t try to do this online.

To end coverage for anyone other than the subscriber:

  • Log into "My Account."
  • Go to “Report a Life Change.”
  • Select “Add or remove member of household” and then click "Continue" twice.
  • Continue clicking “Save & Continue” until the “You’re applying for health coverage for these people” page.
  • Select the “Remove” button for the person you’re removing from Marketplace coverage and continue through the application. Note: You must complete steps 5 and 6 for each person you want to remove from Marketplace coverage.
  • On the household information screen, add the removed spouse or dependent’s information if they are still a member of your household.
  • Click the green “Continue to Enrollment.”
  • Complete the steps to choose or confirm a health plan. Note: Only the people who are still eligible to enroll in a health plan through the Marketplace will be asked to choose or confirm a plan before confirming enrollment.

In most cases, when you end coverage for only some people on your application, their coverage ends immediately.

When you end coverage for just some people on your application, your premium tax credit or other savings may change. You may need to update your household income after ending coverage for one or more people. Becoming newly eligible or ineligible for premium tax credits or changes to other savings may qualify you for a Special Enrollment Period.

You can also end your plan by phone. 1-855-495-6510

Ending your Marketplace coverage without replacing it

You can end a Marketplace plan without replacing it any time. But there are important things to think about before you do.

If you end your health coverage and don’t replace it, you may have to pay a fee for the months you don’t have coverage. The fee in 2015 is higher than it was in 2014. There are also important health and financial risks if you don’t have health coverage. Learn more about the risks and costs of not having health coverage.

Reporting the death of an enrollee

It’s important to report the death of an enrollee to the Marketplace as soon as possible. This allows coverage of the deceased to be terminated and the premium tax credits and other savings for remaining plan members to be adjusted.

To get started, choose your situation and follow the instructions below:

I'm on the same Marketplace application as the deceased enrollee.

If you’re the subscriber and someone on your plan dies, you can end coverage for the deceased enrollee online. You can then contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) to report the date of death.

Subscribers or household members (18 and over) on the Marketplace application can instead contact the Marketplace Call Center to end coverage and report the date of death at the same time.

If it’s the subscriber who’s died, another adult household member on the same application (or an authorized representative), can update the application for the remaining plan members.

I’m NOT on the same Marketplace application as the deceased enrollee.

If you need to end coverage for someone because they’ve died and you aren’t the subscriber or a member of the household on the Marketplace application, you can report the death of the enrollee as long as you’re at least 18 years old. Follow these steps:

Submit documentation of death, like a death certificate, obituary, power of attorney, proof of executor, or proof of estate. The documentation or an attached note should include this information about the deceased:

  • Full name
  • Date of birth
  • Application ID (if known)
  • Social Security Number (if known)
  • Contact information for the person submitting the documentation, including name, address, and phone number

Mail all documentation to:

Health Insurance Marketplace
ATTN: Coverage Removal
Dept. of Health and Human Services
465 Industrial Blvd.
London, KY 40750-0001

The Marketplace Call Center will try to contact you about ending coverage for the deceased and re-enrolling anyone else still on the plan. They may need to update tax filing, financial, or other information on their Marketplace application. These changes may qualify them for a Special Enrollment Period (SEP). This means they can change plans, even outside the annual Open Enrollment Period.

Contact the insurance company to see if any premium refunds or adjustments apply.

If your “grandfathered” health plan is changed or cancelled

If you get a notice from your insurance company that a grandfathered health plan you’ve had since before March 23, 2010 has been changed or cancelled, learn more about your options here.

 
 

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