family are enrolled in more than one plan.
If You Do Not Pay Your Premium, Your Health Insurance Company Can Cancel Your Plan
If you are receiving financial assistance to help pay for your health plan (a tax credit to lower
If you don’t pay any missed premiums by the insurer’s deadline, in addition to losing your health
insurance, you may also have to pay the full cost for any health care you received during the month(s)
you did not pay your premium.
your premiums), you will have three months (90 days) to pay any missed premiums before
your health insurance company cancels your health plan. If you are not receiving financial assistance,
you will have one month (30 days) to pay any
missed premiums before your health insurance company cancels your health plan.
Respond to Notices You Receive from the Marketplace
Tell the Marketplace and Your Health Plan about Any Changes in Your Contact Information
Tell the Marketplace When You Have a Life Change
Tell the marketplace and your health plan if any of this information changes:
Your mailing address
Your phone number
Your email address
Your preference for receiving information by mail or email
The language or format in which you prefer to receive information
To tell the marketplace:
Go online to your healthcare.gov account (create an account if you don’t have one), call the
Marketplace Call Center at 1-800-318-2596 (TTY: 1-800-889-4325), or get help from a local
To tell your health plan:
Call your health plan directly. You can find the customer service number on your health
insurance card and on documents from your health plan.
If you are receiving financial assistance to help pay for your health plan, reporting life changes will
ensure that you are getting the right amount of financial assistance. Some life changes might also
mean you can start receiving financial assistance if you didn’t qualify when you first bought your
Your eligibility for financial assistance is based on the number of people in your household,
your household income, and whether you are able to get other affordable health insurance.
Life events that affect your household size, income, and access to health insurance can change
the amount of financial assistance you can receive.
Some life changes will also give you a chance to make changes to your health plan.
Getting married or divorced
Having a child, adopting a child, or placing a child for adoption
Experiencing an increase or decrease in income
Getting health coverage through a job or a program like Medicare or Medicaid
Permanently moving to a new area of the state or country that offers different health plan
Planning to change how you (or they) file taxes (for example, claiming a new person as a
dependent on your federal tax return, or no longer claiming a dependent)
Planning to change your (or their) tax filing status (for example, filing as single or head of
household instead of married after a divorce)
Experiencing a change in immigration status
Going to jail or being released from jail
To report any of these life changes, go online to your healthcare.gov account (create an account if
you don’t have one), call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-800-889-4325), or
get help from a local enrollment assister.
During the year, you will get notices from the marketplace with important information and
questions. These may be sent to your online marketplace account (with a notification sent by
email or text), or they may be sent to you by mail, depending on how you chose to receive notices
when you applied. Notices are the way that the marketplace tells you about changes and gets the
information it needs to continue your insurance. Follow the instructions in the notices.
The information in the notice may be time-sensitive, so respond right away.
You can change how you receive notices by calling the Marketplace Call Center at 1-800-318-
2596 (TTY: 1-800-889-4325).
Renew Your Coverage Each Year
Each year, in November, you will receive a notice from the marketplace about renewing your
health insurance. The notice will ask if your information has changed, and it will tell you that you
can switch to a new health plan between November 15, 2014, and February 15, 2015.
If any information in the notice is incorrect, call the Marketplace Call Center right away at
1-800-318-2596 (TTY: 1-800-889-4325).
If the information is correct, continue paying your monthly premium, and you will not need
to do anything else. (But if your renewal notice says that you must sign and return the notice
even if all of the information in it is correct, you should do so.)
If the marketplace does not renew your insurance, or if it gives you a different amount of
financial assistance and you think the marketplace made a mistake, you will have a limited
amount of time to appeal. You will be able to keep your insurance while your appeal is