Staying covered if you lose Medicaid or Children Health Insurance

By | January 17, 2024

 For the past few years, states had to continue your coverage in Medicaid (and in some cases the Children’s Health Insurance Program (CHIP)), even if your income or other factors changed that would typically make you ineligible.

States are now returning to normal operations, so your state will start checking eligibility for these programs again. Your state will reach out to you if they need more information to check if you’re still eligible to keep your coverage. You can prepare by updating your contact information with your state and checking your mail for a letter from your state. Complete and submit any forms your state asks for right away.

If your state finds that your household income is too high or other changes make you ineligible, you may lose your Medicaid or CHIP coverage.The Marketplace may contact you.

 When you lose Medicaid or CHIP coverage, your state securely sends your contact information to the Marketplace. We’ll use it to mail you a letter about Marketplace coverage. We may also follow up with you by phone, text, or email if you gave that contact information to your state. You don’t need to wait for us to contact you to apply for coverage.

Apply for Marketplace coverage right away

  • You may be able to get low-cost, quality health coverage through theHealth Insurance Marketplace®.
  • All Marketplace plans cover things like prescription drugs, doctor visits, urgent care, hospital visits, and more.

You can apply and enroll in a Marketplace plan as early as 60 days before 

your Medicaid or CHIP coverage ends to avoid a gap in coverage. Between March 31, 2023, and July 31, 2024, you can also apply for a Marketplace plan anytime after your Medicaid or CHIP coverage ends and you will have 60 days after submitting your application to enroll in a plan that will start at the beginning of the next month after you complete your enrollment.

Most people qualify for savings

When you apply to the Marketplace, you’ll find out if you qualify for:

To apply, you’ll first create an account (or log into your account if you already have one).

Start/update an application

Local help in your community

About a month after we send you the first letter if you haven’t enrolled in coverage, we may send you another letter with information about an assister organization that works with us to help your local community. Marketplace assisters provide free

, fair, impartial, and accurate information to you and your household.

A Marketplace assistant in your community may contact you by phone, text, or email with the information you provided to your state Medicaid or CHIP agency. Assisters are trained by us to give you information about your health coverage options, answer your questions, and help you enroll in a Marketplace plan, Medicaid, or CHIP. Assisters will:

  • Never ask you for your credit card number or any other form of payment
    • Their services to help you get health coverage are free of charge
    • When you enroll in a health plan, you’ll always pay your premiums directly to the insurance company – never to the Marketplace or its assisters.
  • Always provide a Privacy Notice Statement, and get your consent or “authorization” before discussing or accessing your personal information

What do I do if someone contacts me and says they’re a Marketplace assister?

To get help with your coverage options or to apply for Marketplace coverage, find local help near you or contact the Marketplace Call Center.Warning:Say no to scams

Don’t share your personal information or give money to anyone saying you have to pay them to keep Medicaid or CHIP coverage or apply for Marketplace coverage. The Marketplace, assister organizations and your state will never threaten you or anyone in your household or ask for your credit card information or payment to keep or qualify for health coverage.

Report it if someone calls, emails, or texts you asking for:

  • Your personal information (like your Social Security Number)
  • Money (like credit card payment, gift cards, cash, prepaid debit card, or cryptocurrency)
  • Or, if they threaten you or anyone in your household with legal action

Report it to the Federal Trade Commission. Also, contact your local police department. Learn more about scams.

Re-apply if you lost or will soon lose Medicaid or CHIP

If your state says you’re no longer eligible for Medicaid or CHIP coverage, you can re-apply through your state to find out if you still qualify. (In all states, Medicaid and CHIP offer health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities.)

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