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If your household income has changed, you should let the Marketplace know as soon as possible. Your new income can affect the health coverage or savings you’re eligible for.

Why update your application with income changes?
  • Did your income go down? You could qualify for more savings than you’re getting now. This could lower what you pay in monthly premiums.
  • Did your income go up? You may qualify for less savings than you’re getting now. If you don’t report the change, you might have to pay money back when you file your federal tax return.
How to report income changes

Get more information on reporting income and household changes after you're enrolled.

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Did you know that all plans offered in the Marketplace cover the same set of essential health benefits? Essential health benefits are minimum requirements for all Marketplace plans.

5 covered essential health benefits

Every Marketplace health plan must cover:

  • Ambulatory patient services (outpatient care, or care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Prescription drugs
  • Laboratory services

Read the full list of covered essential health benefits.

Additional benefits
  • Plans may offer additional benefits, including vision and dental coverage.
  • To find out if a particular service is covered, call your insurance company.
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This summer, take advantage of the free preventive services available with your Marketplace health plan. These services can prevent health problems or detect them at an early stage when treatment is likely to work best.

Covered preventive services include:
  • Screenings for things like cancer, depression, blood pressure, cholesterol, and tobacco use
  • Immunizations, like the flu shot and Tetanus vaccine
  • Check-ups
  • Patient counseling for alcohol misuse, tobacco use, and diet

Note: Services are free only when delivered by a doctor or other provider in your plan’s network.

More information on preventive health
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If you're enrolled in a Marketplace plan and have changes to your income or household, you should update your application with income and household changes as soon as possible. See the full list of changes you should report.

Why it’s important to report changes
  • Changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for.
  • Some changes will qualify you for a Special Enrollment Period, allowing you to change your plan.
  • If you don’t update your household or income, you may miss out on additional savings or pay money back when you file your taxes.
How to report changes
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You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days (or expects to lose coverage in the next 60 days). This means you may be able to enroll in Marketplace health insurance for the rest of 2018.

Coverage losses that make you eligible

If you lost or will lose coverage from any of these sources, you may be eligible to apply through a Special Enrollment Period:

  • Your job
  • Individual health coverage for a plan or policy you bought yourself
  • COBRA
  • Medicaid or the Children's Health Insurance Program (CHIP)
  • Medicare
  • Coverage through a family member’s plan

Note: If you voluntarily dropped your coverage, you won’t qualify for a Special Enrollment Period.

How to apply with a Special Enrollment Period

Pick a plan and then submit documents to the Marketplace showing the lost coverage and the date it ends. You have 60 days after the date your coverage ended to pick a plan (or 60 days before the date your coverage will end if you’ll lose coverage in the future). You must submit your documents within 30 days of picking a plan.

  • If you’re new to HealthCare.gov, create an account to fill out an application, pick a plan, and submit your documents.
  • If you already have an account, log in to update your existing application, pick a plan, and submit documents.
Get more information on Special Enrollment Periods
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For quick answers to your health coverage questions — including managing your health coverage, finding forms and documents, or understanding costs and savings — visit the Get Answers page. You can also get information on completing your enrollment, finding plans and prices, and getting coverage.

3 common questions answered Still have questions?

If you didn’t find what you were looking for on the Get Answers page, other help is available.

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If you or anyone in your household had a baby or adopted a child within the past 60 days, you may qualify for a Special Enrollment Period. This means you may be able to enroll in or change Marketplace health insurance for the rest of 2018.

How to apply with a Special Enrollment Period
  • If you’re new to HealthCare.gov, create an account to fill out an application for the first time.
  • If you already have an account, log in to update your existing application with your household change.
  • When you enroll in or change plans with a Special Enrollment Period, your new health coverage can start the day your baby is born — even if you enroll in the plan up to 60 days afterward.
More on Special Enrollment Periods
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This summer, put your health and well-being first. Take advantage of the free preventive services offered by your Marketplace plan and take steps to live a healthy lifestyle.

3 ways to be proactive with your health
  • Get the preventive services that are right for you. Most health plans cover a set of preventive services — like shots and screening tests — at no cost to you. (Note: These services are free only when delivered by a doctor or other provider in your plan’s network.)
  • Make healthy changes to your eating habits. Swapping soda for water and adding fruits and vegetables to your meals can make a big difference. Visit www.choosemyplate.gov for information on how to eat the right amount of different types of food.
  • Talk to your doctor about being more active. Whether it’s going on a jog, taking your dog for a walk, or working in your garden, there are a lot of ways to incorporate activity into your life on a regular basis. Regular physical activity increases your chances of living a longer, healthier life.

Having health insurance and getting good health care are important, but there’s no substitute for a healthy lifestyle.

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When you move to a new state, you can’t keep a health insurance plan from your old state. To make sure you stay covered, report your move to the Marketplace as soon as possible. This way you can enroll in a new plan and avoid paying for coverage you won’t be able to use in your new state.

How to report a move to a new state
  • When you move to a new state, your coverage options will change. You may no longer be eligible for your current plan.
  • New plans, prices, and savings may be available to you.
  • To get coverage in your new state, you’ll need to start a new Marketplace application or apply through your new state’s website (if your new state runs its own Marketplace).
  • Get screen-by-screen uploading directions, with pictures (PDF), or follow these steps.
Move within the same state?

Learn more about reporting a move to the Marketplace.

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Now that you've found a doctor you trust, there are several steps you can take to maintain your good health.

4 steps to take after your appointment
  • Follow any instructions, and fill any prescriptions you were given. Health plans will help pay the cost of certain prescription medications. Call your insurance company or visit their website to see what prescriptions are covered and which pharmacies you can use.
  • Schedule a follow-up visit, if you need one. Write down the appointment where you’ll remember it.
  • Review your Explanation of Benefits, and pay your medical bills. After your visit, you may get an Explanation of Benefits in the mail from your insurance company. This is an overview of the total charges for your visit and how much you and your health plan will have to pay. Be sure to pay your bills on time, and keep any paperwork.
  • Contact your doctor or health plan with any questions. If you have concerns between visits, call your doctor’s office. They can help answer questions you have about your health.

Learn more about your next steps after an appointment (PDF).

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