QUESTION

I currently have a bronze-level marketplace plan, and am eligible for a special enrollment period. Can I change into a silver-level plan?

Individuals with coverage | Individual and Marketplace Health Coverage
ANSWER

In general, you can only change into a health plan in the same metal level as your current plan under special enrollment periods. However, if you have an income or household change making you eligible for cost-sharing reductions, you may change into a silver plan. There are a few other exceptions to the plan limitation under special enrollments. If you qualify for a SEP due to marketplace or marketplace-related entity error, misrepresentation, inaction or misconduct; domestic abuse or spousal abandonment; or an exceptional circumstance, you have the option to enroll into a health plan at any metal level. The limitation on plan selection under a special enrollment also does not apply to American Indians or Alaska Natives. (45 C.F.R. § 155.420; 82 Fed. Reg. 18346, April 18, 2017).

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