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).
Take action to report changes
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.
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.
See “Changing from the Marketplace to Medicare” for instructions on cancelling your Marketplace plan.
You'll end coverage different ways depending on whether you want to end it for everyone on your Marketplace plan or just some people.
A red “Cancelled” or “Terminated” status should appear above the plan you ended.
You can also end your plan by phone.
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:
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
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.
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:
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 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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