If your employer (or a family member’s) is offering you health insurance, select who you’re ending coverage for to see step-by-step cancellation instructions.

You’ll follow a different process depending on whether you learn you are eligible or may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). See how to cancel a Marketplace plan due to a change in Medicaid or CHIP eligibility.

You’ll follow a different process depending on whether you and your spouse are enrolled on the same Marketplace plan but only your spouse needs to cancel due to new Medicare eligibility, or if you’re the only person on your application and now qualify for Medicare.

Select who you’re ending coverage for to see step-by-step cancellation instructions.

Learn more about changing from the Marketplace to Medicare.

If you’re enrolling in health coverage through another source, like a parent’s plan, a student health plan, Peace Corps, TRICARE, or the Department of Veterans Affairs, select who you’re ending coverage for below to see step-by-step instructions.

Select who you’re ending coverage for below to see step-by-step cancellation instructions.

Note: You can end a Marketplace plan without replacing it any time. But there are important things to think about:

• If you end your health coverage and don’t replace it, you may have to pay a fee for the months you don’t have coverage. The fee is $695 per adult or 2.5% of your household income, whichever is higher.

• There are also important health and financial risks if you don’t have health coverage. Learn more about the risks and costs of not having health coverage.

It’s important to report the death of an enrollee as soon as possible so the deceased’s coverage can be terminated and premium tax credits and other savings can be adjusted for the remaining plan members.

It’s important to report the death of an enrollee as soon as possible so that the deceased’s coverage can be terminated and premium tax credits and other savings can be adjusted for remaining plan members.

• Full name

• Date of birth

• Application ID (if known)

• Social Security Number (if known)

• Contact information for the person submitting the documentation, including name, address, and phone number

If you get a notice from your insurance company saying that a grandfathered health plan you got outside the Marketplace before March 23, 2010 has been changed or cancelled, you can learn about your options here.

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 their spouse or dependents.

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

You can end coverage for everyone on your Marketplace plan, like if everyone gets coverage from another source, or for some other reason.

1. Log into your Marketplace account.
2. Click “Start a new application or update an existing one.”
3. Select your application under “Your existing applications.”
4. On the left, select “My Plans & Programs.”
5. Select the red button “End (Terminate) All Coverage” at the bottom.
6. Select the date you want to end your coverage (as soon as 14 days from the current date).
7. Check the attestation box.
8. Click the red “Terminate Coverage” button.

You can end coverage for just some people on your Marketplace plan, like a spouse or dependents. You may want to do this if someone gets coverage from another source, for example, but the rest of the people on the application want to keep their Marketplace coverage.

1. Log into your Marketplace account.
2. Click “Start a new application or update an existing one.”
3. Select your application under “Your existing applications.”
4. Click “Report a life change” on the menu to the left.
5. Click “Report a Life Change” near the bottom.
6. Select “Report a change in my household’s income, size, or other information.”
7. Check the attestation box, then click “Save & Continue.”
8. Continue through the application, updating information as necessary.
9. For the “Who Needs Coverage” question, indicate the household members who want to keep Marketplace coverage.
10. Click “Save & Continue.”
11. Click "Remove" for people you want to remove from the Marketplace plan.
12. Confirm the removals and answer any following questions.
13. Click “Save.” Note: You must complete steps 11, 12 and 13 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.
14. Continue clicking through the application, updating information as necessary.
15. 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.
16. Click “View Eligibility Results.” After you’ve read them, click “Continue to Enrollment.”
17. 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’s 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.

• If the person is removed by the 15th of the month: Coverage ends on the last day of the current month.
• If the person is removed after the 15th of the month: Coverage ends on the last day of the next following month.