News Center

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Take a couple minutes to connect so you won’t miss important news, dates, and deadlines this fall.

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Key dates to get Marketplace coverage next year:

• November 1, 2024: Open Enrollment starts — first day you can enroll in, renew, or change Marketplace plans.
• December 15, 2024: Last day to enroll in or change plans for coverage to start January 1.
• January 15, 2025: Open Enrollment ends — last day to enroll in or change Marketplace plans for the year with coverage starting February 1.

Need coverage for the rest of 2024?

• You can enroll in or change coverage only if you qualify for a Special Enrollment Period.
  Check if you qualify to enroll in or change plans now.
• You can enroll in Medicaid or the Children's Health Insurance Program (CHIP) anytime if you’re eligible. Coverage can start right away.

Never miss an important date or information — sign up for reminder emails.  

Be careful of people who may try to steal your personal information, trick you into paying them, or enroll you in coverage without your consent.  

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Ask yourself 3 questions before sharing any personal information: 

1. Is this source reliable?

• Get health coverage information from trusted government sites, like HealthCare.gov. 
• Watch for scams, especially on social media, promising money or gifts. 
• Compare plans on HealthCare.gov, and contact the Marketplace Call Center for enrollment help.

2. Is this person who they say they are?

• Make sure you know who is helping you – Ask questions and get their name, who they work for, phone number, address, email, and company website.  
• If someone says they’re from the Marketplace, get their name and agent ID number, and ask for proof of training from the U.S. Department of Health and Human Services.  

3. Is this person acting appropriately?

Some life changes can affect your coverage and how much you save on your Marketplace plan. If you have a life change, like moving or getting married, let us know as soon as possible. You may qualify for a Special Enrollment Period to enroll in or change plans.

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What changes should I report?

There are 4 types of life changes you should report to the Marketplace:

• Loss of health coverage, like losing job-based coverage or Medicaid or Children’s Health Insurance Program (CHIP) eligibility.
• Household changes, like getting married or divorced, birthing or adopting a child, or a death in the family. 
• Moving to a new ZIP code, county, or state.
• Other qualifying life events, like income changes or becoming a U.S. citizen.

Get a full list of changes to report.

How do I report changes?

• Online: Log in to update your Marketplace application.
• Phone: Call 1-800-318-2596 (TTY: 1-855-889-4325) and a representative can help you update your application.
• In person: Find someone in your community who can help you make changes.

Learn more about how to report changes.

All Marketplace health insurance plans must cover 10 categories of essential health benefits. Essential health benefits are minimum requirements for all Marketplace plans. Specific services covered in each category may be different based on your state's requirements.

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10 covered benefits:

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment, counseling, and psychotherapy
• Prescription drugs
• Services like physical therapy, occupational therapy, and speech therapy
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (doesn’t include adult dental or vision coverage)

Plans must also include birth control and breastfeeding coverage. Some plans may offer dental and vision coverage.

A new address may mean new health coverage and savings options. Report your address change to get the right plan and savings for your household. 

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Move within the same state:

• Report your address change to the Marketplace. 
• Your coverage options and savings probably won't change based only on your new address. We'll let you know if you need to pick a new plan. 

Move to a new state:

• You'll need to start a new Marketplace application and pick a new plan. 
• Some states have their own Marketplace. Check your state.

Get details on how to report a move.

When a new baby arrives, you have a Special Enrollment Period for health coverage. You have 60 days to enroll in or change Marketplace coverage for your baby — and all household members on your Marketplace application. You may have new coverage options with better savings.

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Update your application online

• Already have a Marketplace plan? Report the change.
• Apply for the first time. Your coverage can start the day of the event, even if you enroll up to 60 days afterward.
• You get free preventive benefits with Marketplace coverage, like well-baby visits.

Learn more about Special Enrollment Periods and how to apply.

You have health insurance options if you lose Medicaid or Children’s Health Insurance Program (CHIP) coverage.

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4 ways to stay covered

1.  Get a Marketplace health plan. Most people qualify for savings to lower what they pay for their monthly premium and when they get care.

• You can apply and enroll in a Marketplace plan as early as 60 days before your Medicaid or CHIP coverage ends to avoid a gap in coverage.
• From March 31, 2023 – November 30, 2024, you can apply for a Marketplace plan any time after your Medicaid or CHIP coverage ends. You have 60 days after submitting your application to enroll in a plan. Your coverage starts the month after you complete your enrollment.

2.  Re-apply for Medicaid or CHIP through your state. You may still qualify.

3.  Decide between a job-based plan or Marketplace coverage, if your employer offers health insurance.

4.  Sign up for Medicare, if you qualify (like if you’re 65 or older).

Learn more about staying covered if you lose Medicaid or CHIP.

Health insurance can protect you at any age. 

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4 health insurance options for young adults:

• Your college or university: If you're in school, you can enroll in a student health plan.
• A parent’s plan: If you’re under 26, you may be able to join a parent’s health insurance plan.
• The Marketplace: You can enroll during Open Enrollment November 1 – January 15 or at other times of the year if you have certain life events (like a move) or if your income is within a certain range. Get a quick overview of the Marketplace.
• Medicaid: You may qualify for free or low-cost coverage through Medicaid. You can apply any time and if you’re eligible, you can enroll immediately.

Learn more about getting covered if you’re under 30.

Whether you moved to a new state or had or adopted a baby, let the Marketplace know. You may qualify for new savings or coverage options. 

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Get the full list of changes to report. 

Ready to report? You can update your application to report a life change online, with an assister in your community, or by calling 1-800-318-2596 (TTY: 1-855-889-4325). 

Log in to update