QUESTION

I was automatically re-enrolled by the marketplace and I just got my premium invoice for January. It’s way too high! What do I do?

Individuals with coverage | Individual and Marketplace Health Coverage
ANSWER

If it’s before January 15, 2022 you should return to the marketplace as soon as possible, review and update your account information, and shop for a plan that better suits your financial and medical needs. Open enrollment runs from November 1, 2021 to January 15, 2022 in most states, but even if your state has a longer open enrollment period, you must still make your plan change before December 15 to receive coverage effective 1/1/22.

If open enrollment has ended, you will have to wait to enroll in another plan until the next open enrollment period unless you qualify for a special enrollment period, which you may be eligible for if you experience life changes such as a change in income that makes you newly eligible for financial assistance or a permanent move.

(CMS, Guidance on Reenrollments and Redetermination for Exchange Coverage for 2018, July 13, 2017; CMS, Guidance on Reenrollments and Redetermination for Exchange Coverage for 2019 and Later Years).

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