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Keep or change your insurance plan

Renew, change, update, or cancel your plan

Warning:
Enroll for 2025 now
Fill out an application, compare plans, and enroll in health coverage for 2025. Enroll by December 15 for coverage that starts January 1.
Log in or create account to start your application.
If you have Marketplace coverage, you can renew, change, or update your plan during
. Outside of Open Enrollment, you can change plans if you qualify for a
.

Renew or change plans during Open Enrollment

Update your expected income and household information on your application for the year you're applying for coverage, so you get the right amount of savings. Then compare available plans and renew your current plan (if available) or enroll in a different one that meets your needs.
Marketplace savings are based on your expected estimated income for the year you're applying for coverage, not on past years. If you don't update your income and household information: 
  • You could qualify for more savings than you’re getting now.
  • You could qualify for less savings and have to pay money back when you file your federal taxes.
Take action:
  • By December 15: Update your information and enroll in a plan so your coverage with the correct savings starts January 1.
    • If you don't act by December 15, you may be automatically re-enrolled for January 1 coverage — but you should update your information on your application to get the right amount of savings.
    • In some cases, you won't be automatically re-enrolled. Enroll in a plan during Open Enrollment to keep Marketplace coverage for next year.
  • By January 15: Open Enrollment ends. Update your information and enroll in a plan before the deadline for coverage to start February 1.

You'll get letters about your coverage for the new year

By November 1, you should get 2 letters — one from your current insurance company and one from the Marketplace.
Together they tell you:
  • Whether your current plan is available for next year
  • Which plan (if any) you're matched with and will be automatically re-enrolled in if you don't act by December 15
  • Any changes in your coverage and cost savings
  • If the Marketplace needs documents to confirm information on your application and how to send copies
Don't have your letters?

Compare plans

If your current plan isn't available next year, compare your current year's plan to the plan you're matched with and other available plans:
  • New, more affordable plans may be available. Plans and prices change every year. Your situation may have changed, too. 
  • You may find plans with coverage and features that better meet your needs — especially if you had or expect income or household changes.

Update or change plans outside of Open Enrollment

You can change Marketplace plans if you qualify for a Special Enrollment Period based on your income or
. If you have a qualifying life event, update your application so you get the right amount of savings.

End your health plan any time

You can end 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 coverage can end as soon as the day you end it, or you can set your Marketplace coverage end date for a later day — 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, coverage ends immediately, but it might end on the last day of the month if other household members qualify for a Special Enrollment Period or if changes affect the amount of help you qualify for. We’ll confirm the exact end date once you finish updating your application.
If you end your Marketplace plan and don’t have other health coverage:
  • You may have to wait for the next Open Enrollment Period to enroll again, unless you qualify for a Special Enrollment Period.
  • There are significant health and financial benefits to having health coverage — and risks if you don’t. Nobody expects to get sick or hurt. But medical care without insurance is very expensive, so it’s important to have protection if the unexpected happens.
  • Health coverage helps you get regular care, including free preventive services to keep you healthy. Learn about the benefits of health coverage.

More answers: Renew, change, or cancel your plan