Renew, change, update, or cancel your health plan for 2021

成年短视频在线观看If you had Marketplace health insurance in 2020, you can renew, change, or update your plan for 2021 during the 2021 Open Enrollment Period, November 1 to December 15, 2020.

Important: Starting November 1, update your income and household information on your 2021 application, so you get the right amount of savings. You can then compare all available plans and enroll in any one you like. Plans sold during Open Enrollment start January 1, 2021.

Your 2021 insurance status

By November 1, 2020, you should get 2 letters: one from your current insurance company and one from the Marketplace.

  • Together they explain:
    • Your 2021 coverage status
    • Which plan (if any) you’ll be enrolled in or matched with if you don’t act by December 15, 2020
    • Any changes in your coverage and financial help
    • Directions if you need to send the Marketplace any documents
  • If you don’t get your insurance company letter by November 1, contact your insurance company.
  • If you don’t get your Marketplace letter by November 1, contact the Call Center.

Important: Update & compare plans for 2021

No matter what plan you want to enroll in, we strongly recommend you update your Marketplace application with your expected income and household information and compare your current plan to what’s available for 2021. You can do this as soon as November 1, 2020.

  • New, affordable plans may be available this year. Plans and prices change every year. Your situation may have changed too. You may find 2021 plans with coverage and features that better meet your needs — especially if you have had or expect income or household changes.
  • Update your application so your 2021 financial help is correct. Financial help is based on your expected income for 2021 (not 2020). If you don't update your income and household information, your premium tax credit and other savings could be wrong for 2021. If this happens:
    • You could wind up paying more for your monthly premium than you have to.
    • You may use more advance payments of the premium tax credit than you qualify for. You'd then have to pay back some or all of the difference when you file your federal taxes.
  • You may be automatically enrolled for 2021 — but we strongly recommend you update your application and check out new insurance plans first. If you don’t renew or enroll in a plan by December 15, 2020, you may be automatically enrolled in the same or a similar plan. This way you’ll be covered on January 1, 2021. But the best way to make sure you have a 2021 plan that meets your current needs, and with the financial help you qualify for, is to log in as soon as November 1, 2020 to update your information and see all the plans available to you for 2021. You should do this even if you want to keep the same plan.
  • In some cases, you won't be automatically enrolled. Just enroll in any available plan by December 15, 2020, to make sure you're covered on January 1, 2021.

Cancel your health plan: Any time

You can cancel your Marketplace coverage any time. You may need to do this if you get other health coverage, or for another reason.

You can end coverage for:

  • Everyone on the application after your coverage has started. Your termination can take effect as soon as the day you cancel, or you can set the Marketplace coverage end date to a day in the future — like if you know your new coverage will start on the first day of the following month.
  • Just some people on the application. In most cases, their coverage will end immediately.

Learn how to cancel your coverage.

More answers: Renew, change, update, or cancel your plan for 2021

What if my premium went up, my coverage changed, or I don't like the plan I'm being offered for 2021?

Log in to your HealthCare.gov account as soon as November 1, 2020; update your application; and check out the plans available to you for 2021. New plans, prices, and features may be available.

If you don’t enroll in a new plan by December 15, 2020, you may be automatically enrolled in or matched with a 2021 plan. That way you'll be covered on January 1, 2021. If you don't pay the first premium, the plan won't be activated.

Can I change to a health insurance plan outside the Marketplace?

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

成年短视频在线观看If you know your income is too high to qualify you for a premium tax credit, you may want to explore plans outside the Marketplace.

Note: Plans inside and outside the Marketplace have similar basic features, but some outside-the-Marketplace plans have different costs and other important details. If you're looking at plans outside the Marketplace, be sure to compare them to plans in the Marketplace too.

Learn about buying a plan outside the Marketplace.

Why is my premium tax credit different from what I had in 2020?

Your premium tax credit is based on the most current information available about your income and household size. That may be information on your 2020 application, or information from other sources, like the IRS. Financial help is based on your expected income for 2021, not 2020.

That's why it's so important to update your application with income and household changes you expect for 2021. It's the only way to be sure you'll get the right tax credit and other savings for the year.

Update your application as soon as November 1, 2020. Select a plan by December 15, 2020, and you'll have the right amount of savings, and the plan you want, starting January 1, 2021.

Plan premiums in your area may have changed too, and that can affect your premium tax credit.

Why does my Marketplace notice say I won't get a premium tax credit this year?

There are several possible reasons. But even if you’re told you don't qualify for financial help, update your application for 2021, and if necessary take the actions below.成年短视频在线观看 You may find out that you do qualify for financial help.

Possible reasons you've been told you may not qualify for a premium tax credit next year:

  • Updated income information from the IRS may show that you don't qualify for 2021.
  • You may need to send us information or take other actions before you qualify for a 2021 premium tax credit. Your notice will provide instructions and deadline information.
  • We may not have a record showing you filed a federal income tax return to reconcile a premium tax credit you used in 2019. If you don't file a tax return for years you use a premium tax credit, we can't continue to offer you one.
  • When you filled out your 2020 Marketplace application, you may not have allowed the Marketplace to use your updated tax information automatically for future years.
My health insurance company letter says it isn't offering my plan this year. What are my options?

If your insurance company letter says they aren't offering your plan or a similar plan through the Marketplace in your area for 2021, you'll be matched with an alternate plan. We strongly encourage you to update your Marketplace application and review all plans available to you for 2021. When updating your 2021 Marketplace application, be sure to indicate that you're losing your 2020 health coverage as of December 31, 2020.

You must enroll in a plan by December 15, 2020. Coverage starts January 1, 2021.

成年短视频在线观看If you have questions about your plan's availability for 2021, call your current health insurance company.

What happens if I don't choose a plan by the deadline?

成年短视频在线观看To protect you from a gap in coverage, if you don't choose a plan by December 15, 2020, and the Marketplace has matched you with an alternate plan offered by another insurance company, we'll enroll you in that plan.

You’re under no obligation to activate this new plan. (Your plan isn’t activated until you pay your first monthly premium.)

When does my 2020 Marketplace plan end?

All 2020 Marketplace plans end December 31, 2020, no matter when you enrolled.

What are the deadlines for 2021 coverage?
  • November 1, 2020: Open Enrollment starts.
  • December 15, 2020: Last day to sign up for 2021 coverage. Coverage starts January 1, 2021.

If you don’t enroll by December 15, you can't enroll in a health insurance plan for 2021 unless you qualify for a Special Enrollment Period.

If I don't want a 2021 Marketplace plan but am automatically enrolled, do I need to cancel my plan?

成年短视频在线观看No. Even if you're automatically enrolled in a new plan, you're under no obligation to activate this new plan. Plans are only activated once you pay your first premium.

How do I complete my enrollment and pay my first premium?

Once you’re enrolled in a plan, you’ll pay your first premium to the insurance company. Insurance companies handle payments differently. Follow the instructions from your insurer about how and when to make your premium payment. You may be able to pay online.

What if I’m transitioning to Medicare coverage this year?

Learn more about changing from the Marketplace to Medicare.