Why and how to report life changes in the healthcare marketplace


Life changes like the weather, and after you have gotten marketplace health insurance, it is essential to report these life changes as soon as they occur because they could have an effect on the coverage or savings that you qualify for. If you are eligible for a Special Enrollment Period to change plans, then you have a period of 60 days from the life change to enroll. If the event makes you eligible for more or less savings, then you had best not wait to make any necessary adjustments.

What life changes to report

-        Marriage or divorce.

-        Having or adopting a child, or placing a child for adoption.

-        Income changes.

-        Getting healthcare coverage through Medicare or Medicaid.

-        Domicile changes.

-        Disability status changes.

-        Gaining or losing a dependent

-        Pregnancy.

-        Tax filing status changes.

-        Citizenship or immigration status changes.

-        Incarceration or release from incarceration.

-        American Indian/Alaska Native or tribal status changes.

-        Name, date of birth, or Social Security number corrections.

-        Other changes that affect income and household size.

 How to report life changes

There are two methods for reporting life changes. You can call 1-800-318-2596 (TTY: 1-855-889-4325), or you can file an online report by following these steps:

1.       Log into your account.

2.       Select your application.

3.       Select ‘report a life change.’

You can choose either of these methods, but never report life changes via mail.

Once you have reported a life change, you will receive a new eligibility notice explaining whether or not you’re eligible for a Special Enrollment Period to change plans, and also if you qualify for lower costs based on your updated income, household (or other) information. As mentioned earlier, if you do qualify for a Special Enrollment Period, you will have up to 60 days to change plans, which you may do on the phone or online by once again calling the Marketplace Call Center number above, or login into your account, selecting ‘eligibility and appeals,’ and clicking the ‘continue to enrollment’ button. If not eligible for a Special Enrollment Period, you can’t enroll in a new plan but you can choose to adjust the amount of the tax credit to apply to your monthly premiums. Speaking of which, you should be aware that life changes can have an effect on the premium tax credit that you may qualify for.


Related Read:

Welcome to the Health Insurance Marketplace