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Health Insurance Re-enrollment What I need to know about renewing my health insurance plan.

Did You Know?

Be sure to renew your health insurance by December 15 to make sure there are no gaps in coverage beginning in 2019.

Re-enrollment Defined

Re-enrollment is when you already have a health insurance plan that you bought through the Health Insurance Marketplace and wish to make sure it continues through next year. It can be called re-enrollment or renewal. You can re-enroll in your plan during the marketplace open enrollment period.

Frequently Asked Questions

I received financial help through the Health Insurance Marketplace last year; will I still get it this year?

It is important to contact the marketplace where you originally enrolled to make sure you still qualify for financial help. Any life changes, particularly a change in income or in your family size, may affect the savings you are eligible for. And if you haven’t updated your income information in two years, you may lose your financial help.

Use this Health Insurance Marketplace Calculator to get an estimate of the financial help you may qualify for if you buy coverage through the Health Insurance Marketplace.

It is also a good time to review your health insurance plan to make sure it works for you and your family. You can review your options and make changes during the marketplace open enrollment period (November 1, 2018 through December 15, 2018).

Last year I bought health coverage through the Health Insurance Marketplace. Do I need to re-enroll in the plan for next year? Will I get the same financial help?

People who signed up for coverage through the Health Insurance Marketplace should receive a notice from their health plan and another from the marketplace about renewing health coverage. The notices include information about coverage, including any changes to your plan, financial assistance for the following year, and the marketplace open enrollment period—November 1, 2018 through December 15, 2018.

Some people will be automatically re-enrolled in the same or a similar health insurance plan for 2018. Others must contact the Health Insurance Marketplace directly to be re-enrolled. In general, if the marketplace doesn't have current income data for you, you may not get your financial help renewed. In either case, it is important that you check with your marketplace and review your health plan for 2018 to make sure it works for you and your family.

Want to make sure you have the right health insurance plan for you and your family? Find out what coverage, costs, and comparisons to consider.

You must report any changes in income or household size to the marketplace where you enrolled to be sure you are getting the right financial help for your family. Keep in mind most people will need to make changes to their plan and update their household information by December 15, 2018 to make sure coverage starts January 1, 2019. But your state may have a different deadline so be sure to check with the marketplace where you enrolled.

If I buy or re-enroll in a health plan during the Health Insurance Marketplace open enrollment period, when will my coverage start?

The Health Insurance Marketplace open enrollment period for 2019 health coverage is November 1, 2018 through December 15, 2018. If you are enrolled in a marketplace health insurance plan, your coverage ends December 31, 2018. To continue health coverage in 2019, you can renew or choose a new plan during the marketplace open enrollment period. You must enroll by the December 15 deadline to ensure you will have coverage that starts January 1, 2019.

If someone is trying to sell you a plan outside these dates, it is likely the plan does not provide the same coverage for health care services. Learn more about what factors to consider when choosing a health plan.

What do I do if the marketplace health insurance plan I had last year is no longer available?

If your plan is no longer available, the insurer must offer you another plan that is similar. If your insurer is no longer offering any marketplace plans, it must notify you of that change 90 days before your coverage ends. In either case, it is a good idea to review your coverage every year to make sure what you are signing up for is something that meets the needs of you and your family. You can compare plans and shop for coverage through the Health Insurance Marketplace during the open enrollment period (November 1, 2018 through December 15, 2018). You also might find that your plan is still available outside the marketplace; however, you will not be eligible for financial help if you enroll in that plan. Financial help is only available for plans offered through the Health Insurance Marketplace. For more details, visit the marketplace where you enrolled for coverage last year.

Use this Health Insurance Marketplace Calculator to get an estimate of the financial help you may qualify for and an estimate of your monthly payment (premium) for coverage you buy through the marketplace.

Do I need to report any changes in my household status, such as an increase in income, to the Health Insurance Marketplace?

Certain life changes, such as getting a raise, moving, or a death in the family, may change the type of coverage you qualify for or how much financial help you can receive. You’ll need to report life changes to the Health Insurance Marketplace where you enrolled for coverage. For example, if your income has increased, reporting that change will reduce the chance that you’ll have to pay back money at tax time. And if you haven't updated your income information in two years, you may lose your financial help.

Examples of life changes that could change the coverage and financial help you may qualify for include:

  • Moving to a new area
  • Losing health coverage, such as job-based coverage
  • Change in citizenship or immigration status
  • Change in income, such as getting a raise or losing a job
  • Change in household status, such as getting married
  • Change in family size, such as a birth or death

For more details about when and how to report any life changes go to www.healthcare.gov or call the Health Insurance Marketplace at 800-318-2596.

Glossary

  • Health Insurance Marketplace

    a way to shop for health coverage. Through the marketplace, you can shop online and get help by phone and in person to find the plan that works for you and your family. The marketplace allows you to compare plans and costs on an “apples-to-apples” basis. You also can find out what kind of financial help you may be able to get to pay for premiums and copayments. (Sometimes referred to as Health Insurance Exchange.)

  • Open enrollment (Health Insurance Marketplace)

    the period of time each year when you can choose from available plans within the Health Insurance Marketplace. The open enrollment period through the Health Insurance Marketplace begins each year November 1 and runs through December 15, although some states may allow a longer period.

Read More Glossary Terms

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