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.

Navigator
Resource Guide

On Private Health Insurance Coverage & The Health Insurance Marketplace
QUESTION

I pay more for my plan because I’m a smoker. If I stop smoking after I sign up, will my rates go down?

Post enrollment issues | Individual Health Insurance |
ANSWER

Your insurer doesn’t have to lower your rates to reflect your new non-smoker status until you renew your coverage. (45 C.F.R. § 147.102).

Related Tags

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