If you have health coverage through the Health Insurance Marketplace, you need to take action to keep or change your Marketplace plan, every fall during Open Enrollment. Staying covered takes just five steps Step One: Review Your Coverage Every year, insurance companies can make changes to premiums, cost-sharing, or the benefits and services they provide. You might have changed too your: * income, * household, * health conditions, or * prescriptions. Make sure your plan still meets your needs for the upcoming year. If it doesn’t, now is the time to change plans. Carefully read any mail from your health plan describing changes, and contact the plan if you have questions. Write down important dates and information from the letter. Step Two: Update Your Application Visit HealthCare.gov and log into your Marketplace account to review your application. To help make this as easy as possible, we may have started a new application for you, using information you already provided. Step through each page of your application and update your information. It’s important to click through your entire application, even if you don’t make updates. You might be eligible for lower costs than last year because of changes in the Marketplace, even if none of your information has changed. Review, sign and submit your application. After you submit it, look at your eligibility results carefully. This is where you’ll see if you need to follow up with more documents or if your cost savings or eligibility has changed. Step Three- Compare After you’ve checked your eligibility results, it’s important to compare plans, costs and benefits. There may be plans available to you that weren’t an option last year. Plans can change each year, and some of these changes could affect what doctors, pharmacies, and prescriptions you can use. Taking the time to compare plans is important because new and more affordable plans may be available in your area this year. When comparing plans, consider: Are you happy with the changes to your current plan? What will your benefits and costs be? Are new options available Step Four- Choose You can choose any plan available to you in your area, no matter what plan you had last year, but remember that only Marketplace plans offer premium tax credits and cost-sharing reductions. If you’re happy with the plan you have now, you can keep it for next year. As long as it’s still offered, we will place it in your “Saved Plans” section on HealthCare.gov. Or, you can select a new one that better meets your needs. Step Five- Enroll When you enroll you’ll review your choice, verify or adjust any premium tax credit you may want to use now to lower premium costs, and confirm your plan selection. You should make sure to pay your first premium and contact your plan to confirm your enrollment. Remember to complete all 5 steps to finish re-enrolling in a health plan, even if you want to stay in the same plan. If you want to change plans, act by December 15 so your new coverage starts January 1, without a break. If you have questions or need to find someone who can help you in person, you can: * Visit Localhelp.HealthCare.gov * Call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855- 889-4325. The call is free.