The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

I missed the deadline for submitting additional documentation to the Marketplace to prove my eligibility (to buy coverage or to qualify for premium tax credits or to receive an exemption). What can I do?

Individuals with no coverage | Navigating Health Insurance Marketplace Options |
ANSWER

If the Marketplace hasn’t received the requested information within 90 days and you didn’t already ask for an extension, the Marketplace will make a determination based on the information it has. You may be able to get an extension of the 90-day deadline if you file an appeal. When you file your appeal, include information about why you missed the deadline. Also, if you were asked to submit documentation to verify your income, you will receive an automatic 60-day extension. (45 C.F.R. §§ 155.315155.355155.505.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues