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Frequently Asked Questions Regarding Enrollment

What if I don’t like the plan my insurance company wants to enroll me in automatically?

You can enroll in a different plan. Learn how to change your plan for 2015.

  • Enroll by December 15, 2014, to make sure your new coverage starts by January 1, 2015.
  • Even if you’re automatically enrolled in the plan you don’t like on January 1, 2015, you can still change plans until Open Enrollment ends on February 15, 2015.

What if I think the information used to determine my savings is wrong?

Starting November 15, 2014, log into your Marketplace account and update your 2015 Marketplace application with the right information.

You’ll get new eligibility results, which will show any savings you qualify for in 2015 based on the updated information you provided. You can then enroll in the plan offered by your insurance company or change to a different one.

Important: After you get your new eligibility results, be sure to finish the application process and enroll in a plan, even if you want to stay in the same plan. If you don’t, your new information won’t be sent to the insurance company.

What if I’m being automatically enrolled in the same plan, but the premiums and copayments have gone up?

Insurance companies change plan prices and features based on many factors. They can’t raise your premiums or change your coverage based on your health or how much care you use. Learn more about how insurance companies set premiums.

If your plan’s prices and benefits no longer meet your needs, you can change plans for 2015 starting November 15, 2014. This is true even if your notice says you’ll be automatically enrolled in your current plan.

What if my notice says I’ll be automatically enrolled, but without the tax credit and savings I had in 2014?

This may happen if income information from the IRS shows you may not qualify for savings in 2015. It also could happen if you didn’t allow the Marketplace to use your updated tax information for future years when you applied for 2014 coverage.

Important: You still may qualify for savings for 2015, so it’s very important to update your 2015 application with your latest income and household information.

To make sure you get the right savings, log into your Marketplace account starting November 15, 2014 and update your application with any income, household, and other changes you expect in 2015. You’ll get new eligibility results that explain if you qualify for a premium tax credit and other savings in 2015, and if so, how much.

Learn more about updating your 2015 application with income and household information.

Then you can decide whether to accept the plan your insurance company is offering with your 2015 savings or change to a different plan.

Instead of letting automatic enrollment happen, can I go into my Marketplace application and sign up for my same plan again?

Yes, as long as the same plan is being offered in 2015. Your insurance company notice will say if it is.

Tip: You’ll need the plan identification number from the notice you get from your insurance company to make sure you sign up for the same plan, or for the similar plan your insurance company is offering. (You can also find the number for your current plan on your My Plans & Coverage page in your Marketplace account.)

When you log into your Marketplace account starting November 15, 2014, be sure to update your household, income, and other information on your 2015 application. You’ll get new eligibility results that show the savings you qualify for in 2015. Be sure to pick your same plan and then finish your enrollment.

Important: After you get new eligibility results, you must continue the process and enroll in a plan. This is true even if you want to stay in the same plan you had in 2014 or enroll in the similar plan your insurance company is offering. If you don’t finish the new enrollment, your insurance company won’t get your updated information.

How do I find out if my plan or provider network will change for 2015?

If keeping access to certain providers is important to you, check with your insurance company to make sure they’ll still be in the plan’s network in 2015. You also can contact your providers directly to see which Marketplace plans they will accept in 2015.

  • If you change from your current plan for any reason, it’s particularly important to do this.

What if I don’t update my income and household information until after my automatic enrollment happens?

Just log into your Marketplace account and make the updates to your 2015 application as soon as possible after the autoenrollment happens. When you update your information, you’ll get new eligibility results. Your premium tax credits and other savings may change based on your new information. You could also qualify for different coverage.

Important: When you get new eligibility results, you must finish the process and enroll in a plan, even if it’s the one you currently have. If you don’t, your insurance company won’t get your new information.

You can change plans any time until February 15, 2015. After this deadline, you can’t change plans for the rest of 2015 unless you qualify for a Special Enrollment Period.

If I’m being automatically enrolled with a premium tax credit, will it be updated based on new income information from the IRS?

No. When you’re automatically enrolled with a premium tax credit and other savings, your savings are the same as you had in 2014.

That’s why it’s so important to update your income and household information starting November 15 to report changes you had in 2014 and expect for 2015. If you don’t do this:

  • You could wind up getting less savings than you qualify for in 2015
  • You could also wind up having to pay back premium tax credits you didn’t qualify for on your 2015 federal tax return.

What if my notice says I’ll be automatically enrolled in a plan outside the Marketplace?

Some insurance companies offer certain plans in the Marketplace and other plans outside the Marketplace. If your company will automatically enroll you in a plan outside the Marketplace for 2015, you have the same choices as anyone who’ll be enrolled automatically. You can accept the automatic enrollment or change plans.

Important: If you enroll in a plan outside the Marketplace, you aren’t eligible for premium tax credits or lower out-of-pocket costs on your coverage. You must use the Marketplace to enroll if you want to qualify for savings. Check out this chart to see if your income falls within the range to qualify for savings.
 

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