Report changes to your Marketplace application

The article “Report changes to your Marketplace application” emphasizes the importance of informing the Marketplace about any life changes you experience. Whether you get married, move to a new address, or encounter other significant events, your health coverage and saving options may be affected. By reporting these changes, you ensure that your coverage remains accurate and up to date. This article provides guidance on the types of changes that should be reported, such as loss of health coverage, residence changes, household changes, and other qualifying life events. Additionally, it offers three convenient methods for reporting these changes: online, over the phone, or in person with the help of a community representative. Keeping your Marketplace application updated is crucial for maintaining eligibility and taking advantage of any special enrollment periods that may arise.

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What type of changes should I report?

Certain changes are considered qualifying life events. There are 4 basic types:

• Loss of health coverage: Losing job-based coverage (yours or a household member’s) or eligibility for Medicaid, Medicare, or the Children’s Health Insurance Program (CHIP)
• Residence changes: Certain household moves, like to a new ZIP code, county, or state
• Household changes: New baby, marriage, divorce, or death
• Other qualifying life events, like changes in your income that affect the coverage you qualify for or becoming a U.S. citizen

These changes may affect the coverage or savings you’re eligible for. Also, you may qualify for a Special Enrollment Period to sign up for health insurance outside of Open Enrollment. You can get the full list of changes to report on the Marketplace website.

Loss of health coverage

If you experience a loss of health coverage, it is important to report this change to the Marketplace. Losing job-based coverage, or eligibility for Medicaid, Medicare, or CHIP, is considered a qualifying life event. By notifying the Marketplace of this change, you may be eligible for special enrollment and can sign up for health insurance outside of the regular enrollment period.

Residence changes

Certain household moves, such as moving to a new ZIP code, county, or state, should also be reported to the Marketplace. This change in residence is considered a qualifying life event, and it may affect the coverage or savings you are eligible for. It is important to update your information with the Marketplace to ensure you have the appropriate health coverage based on your new residence.

Household changes

Changes in your household can also impact your health coverage. If you experience a significant life change such as having a new baby, getting married, getting divorced, or experiencing a death in the family, it is important to report these changes to the Marketplace. These household changes are considered qualifying life events, and by notifying the Marketplace, you can ensure that you have the appropriate coverage for your new circumstances.

Other qualifying life events

In addition to loss of health coverage, residence changes, and household changes, there are other qualifying life events that should be reported to the Marketplace. Changes in your income that affect the coverage you qualify for, as well as becoming a U.S. citizen, are examples of other qualifying life events. It is important to notify the Marketplace of these changes so that your coverage and savings can be adjusted accordingly.

These changes may affect the coverage or savings you’re eligible for

Reporting changes to the Marketplace is crucial because these changes may affect the coverage or savings you are eligible for. By updating your information with the Marketplace, you can ensure that you have the appropriate health coverage for your current circumstances. This can help you avoid any gaps in coverage and ensure that you are receiving any applicable savings or subsidies.

3 ways to report changes

There are three convenient ways to report changes to the Marketplace: online, over the phone, or in person.

Online

Updating your Marketplace application online is a quick and easy way to report changes. By logging into your account on the Marketplace website, you can make changes to your application and update your information. This allows the Marketplace to adjust your coverage and savings based on your new circumstances.

Phone

If you prefer to speak with a representative, you can contact the Marketplace Call Center over the phone. A representative will be able to assist you in updating your application and reporting any changes. This option allows for personalized assistance and ensures that your information is accurately updated.

In person

If you would like more hands-on assistance, you can find someone in your community to help you make changes in person. This can be done by visiting a local organization or agency that offers assistance with Marketplace applications. A trained professional will be able to guide you through the process and help you report any changes.

No matter which method you choose, it is important to report changes to the Marketplace in a timely manner. By keeping your information up to date, you can ensure that you have the appropriate health coverage and savings based on your current circumstances. Reporting changes is a crucial step in maintaining your coverage and accessing the benefits you are eligible for.

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Source: https://www.healthcare.gov/blog/report-life-changes-to-the-marketplace