Step 4 of Staying Covered Through the Marketplace—Choose a Health Plan

If you purchased a health coverage plan through the Marketplace in 2021, you must decide whether to change your existing insurance or switch to a new health plan for 2022. To begin the process, read 5 Steps to Staying Covered.

Step 4 of staying covered is to select a health plan for 2022. You can keep the same health plan you had in 2021 (as long as it’s still available) or choose a new one that better meets your needs. If you want to remain registered in your 2021 plan, enter the 14-digit plan ID from the letter you received with your health plan.

Here are some things to keep in mind as you select your plan:

  • You can choose any insurance plan available in your state in 2022, regardless of the type of coverage you had in 2021.
  • All 2021 Marketplace insurance plans include all benefits and safeguards mandated by the healthcare law.
  • You can only use any premium tax obligation credits and cost-sharing reductions if you enroll in a health plan through the Marketplace program.

By December 15, 2021, take action to ensure you have the right health insurance for your needs beginning January 1.

If you have further queries and concerns, you can contact us at +1 855-913-1570. Call 1-800-855-0511 if you use a TTY. You can also look for help in your area by visiting your state agency website.

Never miss the open enrollment deadlines! Stay connected with us on social media platforms for the latest updates.

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About the Author: Maya Rodriguez

Maya Rodriguez
I’m a writer and insurance researcher at InsuranceShopping.com, where I create guides and news to help U.S. consumers compare auto, home, health, life, and Medicare plans with confidence. I focus on breaking down complex policy changes,like new Medicare Advantage carriers or regional health insurance options,into clear, actionable advice. My background includes years of analyzing insurance markets and regulatory updates, which allows me to explain how these shifts affect your coverage and wallet. I’m here to give you the facts you need to make informed decisions, whether you’re shopping for your first policy or reviewing your current plan.