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Reporting a Life Change

Once you have Marketplace coverage, you must report certain life changes. This information may affect the coverage or savings you’re eligible for.


It’s important to report these changes to the Marketplace as soon after the change as possible.


  • If your income goes up or you lose a member of your household, you may qualify for less savings than you’re getting now. If you don’t report these changes, you could wind up having to pay back the difference when you file your federal tax return for the coverage year.


  • If your income goes down or your gain a household member, you could qualify for more savings than you’re getting now. This could reduce the amount you pay in monthly premiums. You could also qualify for Medicaid or CHIP coverage.


Life changes to report


You must report a change if you:

  • Get married or divorced

  • Have a child, adopt a child, or place a child for adoption

  • Have a change in income

  • Get health coverage through a job or a program like Medicare or Medicaid

  • Change your place of residence

  • Have a change in disability status

  • Gain or lose a dependent

  • Become pregnant

  • Experience other changes that may affect your income and household size

  • Other changes to report: change in tax filing status; change of citizenship or immigration status; incarceration or release from incarceration; change in status as an American Indian/Alaska Native or tribal status; correction to name, date of birth, or Social Security number.


When to report changes

You should report these changes to the Marketplace as soon after the change as possible.

If these changes qualify you for a Special Enrollment Period to change plans, in most cases you have 60 days from the life event to enroll in new coverage. If the changes qualify you for more or less savings, it’s important to make adjustments as soon as possible.


How to report changes

You can report changes 2 ways:

  • Online. Log in to your account. Select your existing application, choose "Report a life change" from the menu on the left, and then click on the "Report a life change" button. Find out how to upload documents

  • By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)


Important: Do not report these changes by mail.


After you report a change


After you report changes to the Marketplace, you’ll get new eligibility results that explain:

  • Whether you qualify for a Special Enrollment Period that allows you to change plans

  • Whether you’re eligible for different savings.

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