New health insurance marketplace coverage options and your health coverage

If you have Marketplace health insurance in 2022, you can renew, change, or update your plan for 2023 until January 15, 2023. Enroll by December 15, 2022 for coverage that starts January 1, 2023.

• Whether you plan to renew or change plans, we strongly encourage you to log in and update your information by December 15, 2022. This way your new coverage will start January 1, 2023.
• If you don’t act by December 15, you'll probably be automatically re-enrolled for January 1 — but you must update income and household information on your 2023 application to get the right amount of savings.

Your 2023 insurance status

You should have received 2 letters — one from your current insurance company and one from the Marketplace.

• Together they'll explain:
  • Your 2023 coverage status
  • Which plan (if any) you’ll be enrolled in or matched with if you don’t act by December 15, 2022
  • Any changes in your coverage and financial help
  • Directions if you need to send the Marketplace any documents
• If you didn’t get your insurance company letter, contact your insurance company.
• If you didn’t get your Marketplace letter, contact the Call Center.

See more about your 2023 letters.

Update & compare plans for 2023

No matter what plan you want to enroll in, we strongly recommend that you update your Marketplace application with your expected income and household information. Then compare your current plan to what’s available for 2023. Select a plan by December 15, 2022 for coverage that starts January 1, 2023. 

• New, affordable plans may be available this year. Plans and prices change every year. Your situation may have changed too. You may find 2023 plans with coverage and features that better meet your needs — especially if you had or expect income or household changes.
• Update your application so your 2023 Marketplace savings are correct. Marketplace savings are based on your expected income for 2023 (not 2022). If you don't update your income and household information, your premium tax credit and other savings could be wrong for 2023. 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 would then have to pay back some or all of the difference when you file your federal taxes.
• You may be automatically enrolled for 2023 — still update your application and check out other insurance plans. Make sure you're getting the plan that meets your needs. If you don't renew or enroll in a plan by December 15, you might be enrolled in the same plan or a different plan with similar coverage. That coverage will start January 1, 2023. But the best way to make sure you have a 2023 plan that meets your current needs, and with the Marketplace savings you qualify for, is to log in to update your information and see all the plans available to you for 2023. You should do this even if you want to keep the same plan.
• In some cases, you won't be automatically enrolled. Enroll in a plan by December 15, 2022, to make sure you have coverage for 2023.

More answers: Renew, change, update, or cancel your plan for 2023

What if my premium went up, my coverage changed, or I don't like the plan I'm being offered for 2023?

Log into your HealthCare.gov account by December 15, 2022; update your application; and check out your options for 2023. New plans, prices, and features may be available.

If you don’t enroll in a new plan by December 15, 2022, you may be automatically enrolled in or matched with a 2023 plan. That way you'll be covered on January 1, 2023. If you don’t pay the first premium, the plan won’t be activated. Preview 2023 plans with personalized price estimates right now.

You can change plans until January 15, 2023, even if the coverage you were automatically re-enrolled in has started. Learn about your choices if you were automatically enrolled.

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.

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 plans outside the Marketplace 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 2022?

Your premium tax credit is based on the most current information available about your income and household size. That may be information on your 2022 application, or information from other sources, like the IRS. Financial help is based on your expected income for 2023, not 2022.

That's why it's so important to update your application with income and household changes you expect for 2023. It's the only way to be sure you'll get the right tax credit and other savings for the year.

Update your application and select a plan by January 15, 2023. Select a plan by December 15, 2022, and you'll have the right amount of savings, and the plan you want, starting January 1, 2023.

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 2023, and if necessary take the actions below. 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 2023.
• You may need to send us information or take other actions before you qualify for a 2023 premium tax credit. Your letter 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 2021. 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 2022 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 2023, 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 2023. When updating your 2023 Marketplace application, indicate that you're losing your 2022 health coverage as of December 31, 2022.

You have through January 15, 2023 to change plans for 2023, even if you're automatically enrolled.

If you have questions about your plan's availability for 2023, call your current health insurance company.

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

To protect you from a gap in coverage, if you don't choose a plan by December 15, 2022, 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 2022 Marketplace plan end?

All 2022 Marketplace plans end December 31, 2022, no matter when you enrolled.

What are the deadlines for 2023 coverage?

• November 1, 2022: Open Enrollment started.

• December 15, 2022: Deadline for coverage that starts January 1, 2023.

• January 15, 2023: Last day to sign up for 2023 coverage.

If you don’t enroll by January 15, 2023, you can't enroll in a Marketplace health insurance plan for 2023 unless you qualify for a Special Enrollment Period.

If I'm automatically enrolled in a 2023 Marketplace plan and I don't want it, do I need to cancel my plan?

No. Even if you're automatically enrolled in a new plan, you're under no obligation to keep this new plan. Plans are only effective 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 insurance company about how and when to make your premium payment. You may be able to pay online.

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