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Have a 2014 Health Plan? Get Ready to Keep or Change it for 2015

452103345 (1)If you bought a private health insurance plan through the Marketplace in 2014, you can renew your current plan or enroll in a different plan for 2015.

You can do this between November 15, 2014 and February 15, 2015.

If you live in Idaho, Nevada, or Oregon, your process for 2015 enrollment has changed from last year. Learn about these changes in your state.

Your 2015 health coverage choices

Before November 15, 2014, you’ll get important notices about your health coverage. These notices help you understand your choices for 2015, so it’s important to review them carefully.

If you have 2014 Marketplace coverage, one of these will apply to you:

  • The Marketplace will enroll you automatically in your 2014 plan or a similar plan. This means you don’t have to do anything and your 2015 coverage will start on January 1, 2015. If we enroll you automatically, one of the following will apply:
    • You’ll be enrolled with the same premium tax credit and other savings you had in 2014. We’ve been able to do this because you gave us permission to check and use the financial information from your 2014 application.
    • You’ll be enrolled without any premium tax credit or other savings. This may be because we don’t have your permission to use your information again, or because our records show your income has increased.
  • The Marketplace can’t enroll you automatically for 2015. If this applies to you, the Marketplace will send you a notice explaining what to do next. You’ll need to take action to enroll in a plan by December 15, 2014 for your coverage to start January 1, 2015.

You can always pick a different plan for 2015. This is true even if we enroll you in a plan automatically. You can choose any plan available to you in 2015, no matter what kind of plan you had in 2014.