How To Cancel a Marketplace plan

How to Cancel Your Marketplace plan when you get Medicare

You're finally free from the Healthcare.gov system!

Now that you're eligible for Medicare, which counts as qualifying health coverage (or "minimum essential coverage"):

  • You are no longer eligible for a Marketplace plan with advance payments of the premium tax credit and savings on out-of-pocket costs
  • You should IMMEDIATELY end Marketplace coverage with premium tax credits or other cost savings for anyone in your household who is determined eligible for or already enrolled in Medicare
  • If you still want a Marketplace plan after you enroll in Medicare, you will have to pay full price for your share of the Marketplace plan without premium tax credits or other cost savings

Note: Most Medicare insurance plans are less expensive than the plans on the Marketplace and many plans have no deductible!

What if my spouse is under 65 and needs to stay on the Marketplace plan?

  • If you are on an application with other people who are also enrolled in Marketplace coverage: You’ll need to "report a life change"and then select that you are enrolled in "other coverage". Continue to confirm enrollment in order to remain enrolled in your plan without premium tax credits or other cost savings.
  • If you are the only person on your application who is enrolled in Marketplace coverage: You’ll need to end your Marketplace plan with premium tax credits and then submit a new application for Marketplace coverage without premium tax credits or other cost savings. You can only enroll in Marketplace coverage during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period.

When and how to end your Marketplace plan

When and how you end your Marketplace plan depends on the following:

  • When your Medicare (Part B) coverage begins
  • If you’re ending coverage for everyone on your plan or just some members
  • If just some people on your Marketplace plan are eligible for Medicare you’ll want to end Marketplace coverage only for those who are eligible for Medicare.

IMPORTANT: The household contact is usually the person who created the Marketplace account and may have filled out the application to buy the Marketplace plan for a spouse or dependents. You must contact the Marketplace Call Center directly to:

  • Change the household contact
  • Remove the household contact from the plan if others in your household are staying on the plan

Don't try to do this online unless you’re ending coverage for everyone on the plan. It is important to do this by phone so your spouse can stay on the plan.

Steps to end your Marketplace plan

Important: If you end your Marketplace plan before you get enrolled in Medicare and later find your Medicare Part B coverage will be delayed, you can’t re-enroll in the Marketplace plan unless you qualify for a Special Enrollment Period. Otherwise, you’d have to wait for the next Open Enrollment Period in November and may have a gap in coverage.

You can end coverage for just some people on your Marketplace plan, such as a spouse or dependents.

You may want to do this if someone in your household gets coverage from another source, but the rest of the people on the application want to keep their Marketplace coverage.

Follow these steps to end Marketplace coverage only for some people:

  1. Log into your Marketplace account.
  2. Click “Start a new application or update an existing one.”
  3. Click on your name in the top right of the screen and select “My applications & coverage” from the dropdown.
  4. Select your application under “Your existing applications.”
  5. Click “Report a life change” on the menu to the left.
  6. Click “Report a Life Change” near the bottom of the page.
  7. Select “Report a change in my household’s income, size, or other information.”
  8. Check the attestation box, then click “Save & Continue.”
  9. Continue through the application, updating information as necessary.
  10. For the “Who Needs Coverage” question, indicate the household members who want to keep Marketplace coverage.
  11. Click “Save & Continue.”
  12. Click "Remove" for people who are eligible for Medicare.
  13. Confirm the removals and answer any following questions.
  14. Click “Save.”
  15. Note: You must complete steps 12, 13 and 14 for each household member you want to remove from Marketplace coverage. After removing these people from the list of people who need Marketplace coverage, if they’re still members of your tax household (like your spouse or tax dependents on your federal income tax return), you need to add them back in as people in your household who don’t need Marketplace coverage. This is because your savings are based on income for everyone in your household — including people who don’t need coverage.
  16. Continue clicking through the application, updating information as necessary.
  17. When you get to the screen that asks about your household information, answer the questions appropriately and list members of the tax household. This may include listing people you just removed as an applicant, if they’re still a member of the tax household.
  • Click “Save & Continue.”
  • Continue clicking through the application, adding or updating information as needed.
  1. Click “View Eligibility Results.” After you’ve read them, click “Continue to Enrollment.”
  2. Important: Complete all items on the “To-Do List,” including selecting and confirming a plan.
  • The plan selection will show only people who applied and were found eligible to enroll in a Marketplace plan. Anyone who is or may be eligible for Medicaid or CHIP OR who is no longer applying for Marketplace coverage won’t appear in the plan selection.
  • Anyone continuing Marketplace coverage must select and confirm enrollment in a Marketplace plan for the coverage changes to take effect. Anyone eligible for a Special Enrollment Period can select a new plan if they want to.
  • Once enrollment in a Marketplace plan is confirmed, coverage will be ended for the people you’ve removed.

In most cases, when you end coverage for only some people on your application, their coverage ends immediately.

If Marketplace coverage doesn’t end immediately for the person being removed from the plan:

  • Coverage will end on the last day of the current month if the person is removed on or before the 15th of the month.
  • Coverage will end on the last day of the next following month if the person is removed after the 15th of the month.

This could be the case if the people staying on the Marketplace plan qualify for a Special Enrollment Period. For example, if you update your household income after ending coverage for one or more people and the amount of premium tax credits or other cost savings changes, the remaining enrollees may qualify for a Special Enrollment Period. The coverage end date for the person being removed from coverage will align with the coverage effective dates of the Special Enrollment Period.

You can also end coverage for just some members of your household members by phone.

Contact the Marketplace Call Center at 800-318-2596

If you have any questions about this or need help making a change, I will be happy to help you.  

And it won't cost you anything!

I do not charge anyone for my help, whether you enroll with me or not.  I get paid by the insurance company when I deliver your application so once we pick the right plan I will help you fill out the application and I will turn it into the insurance company for you. It doesn't get any easier than that!

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