Can I switch plans mid-year?
Short answer
Usually only if you have a qualifying life event, such as moving, losing other coverage, marriage or having a baby. Otherwise, you generally change plans during open enrollment.
Open enrollment
For most individual and Marketplace plans, open enrollment is the main time each year to change plans.
Special Enrollment Periods
Certain life events can open a Special Enrollment Period that lets you change plans mid-year. Common examples include:
- losing other health coverage,
- moving to a new area,
- getting married,
- having or adopting a baby.
Each event has its own time limit to act.
Medicaid and CHIP
You can apply for Medicaid or CHIP at any time of year.
Medicare
Medicare has its own enrollment periods and rules. Ask us if you're on Medicare.
Not sure if your situation qualifies? Call us and we'll check with you.
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Related questions
Do I have to do anything to renew?
Many individual and Marketplace plans renew automatically if you take no action. If your plan is discontinued, you may be moved into a similar plan.
When should I review my plan?
Insurers and the Marketplace send renewal information ahead of open enrollment. That's the ideal moment to review: you'll know next year's costs, and you'll still have time to compare.
When Can I Change My Health Insurance Plan
Navigating the American healthcare system often feels like solving a complex puzzle. One of the most common questions individuals ask is, when can i change my health insurance plan ?