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Reporting Life & Income Changes

Life and Income Changes to Tell Us About

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Some of these changes may allow you to enroll in coverage through Maryland Health Connection or change plans outside of the annual Open Enrollment period. In most cases, you have 60 days to enroll in new coverage through a Special Enrollment Period.

You should update your information as soon as possible if you’re already enrolled through Maryland Health Connection. These changes may affect the coverage or savings you’re eligible for.

Life changes that affect your coverage

  • Getting married or divorced
  • Having a child, adopting a child, or placing a child for adoption or in foster care
  • Certain changes in income
  • Moving to or from Maryland, and moves within the state
  • Having a change in disability status
  • Gaining or losing a dependent
  • Certain losses of other health coverage (such as employer ending coverage, or loss of job or employee leaving a job that provides coverage, but not termination because you didn’t pay your plan premium)
  • Becoming ineligible for Medicaid or MCHP
  • Turning 26 years old if you are enrolled in coverage through your family’s plan
  • COBRA coverage period ends

Other changes that may affect eligibility include:

  • Change in tax filing status
  • Change of citizenship or immigration status
  • Incarceration or release from incarceration
  • Change in status as an American Indian/Alaska Native or tribal status

You also should report other changes that may not affect your eligibility for coverage, such as corrections to your name, date of birth, or Social Security Number.

Some special situations also may mean you are eligible to enroll.

If you experienced a problem with your application or enrollment, like being unable to submit your application, please call us at 1-855-642-8572 (TTY: 1-855-642-8573) to see if you may qualify for a Special Enrollment Period.

These special situations are reviewed on a case-by-case basis.

Certain changes won’t mean you are eligible to enroll. You may have to wait until the next Open Enrollment to get coverage, unless you’re eligible for Medicaid.

  • Becoming ill or having a major medical emergency or accident
  • Canceling your health coverage
  • Losing coverage for not paying your monthly premium
  • Finding out your doctor is not covered through your insurance plan

How to report changes or update your information

You can apply or make changes to your application at MarylandHealthConnection.gov, or call us at 1-855-642-8572 (TTY 1-855-642-8573).

If you have already applied, use the "Change My Information" button on your account homepage to update your application.

You can also get free, in-person help updating your application.

Frequently Asked Questions

If you are eligible to buy a plan now (because of a special circumstance), you can enroll online at MarylandHealthConnection.gov, call our Consumer Support Center at 1-855-642-8572 (TTY 1-855-642-8573) or visit a navigator or insurance broker near you.

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For most life events, if you qualify for a special enrollment period to change plans and report your new plan selection to Maryland Health Connection between the 1st and the 15th of the month, your coverage will begin on the 1st of the following month.

If you report your new plan selection to Maryland Health Connection between the 16th and the last day of a month, your coverage will begin on the 1st of the next following month. For example, if you select your plan July 16, your coverage will begin Sept. 1.

For certain life events that may qualify you for a special enrollment period, the plan will become effective following a different timeline. In the case of a birth, adoption or placement in foster care, the plan selected through a special enrollment period will take effect on the date of the birth, adoption or placement in foster care. For example, if you have a baby May 20 and select a plan through Maryland Health Connection on June 1, coverage for you and the baby will begin May 20.

In the case of marriage or loss of certain other health coverage that is considered minimum essential coverage, the plan selected through a special enrollment period will take effect on the 1st of the following month after your plan selection is reported to Maryland Health Connection. For example, if you lose your employer-sponsored coverage June 10 and select your plan June 20, your coverage will begin July 1.

In order for your coverage to be active, you must pay your monthly premium to the insurance company on time. The insurance company will send you a monthly bill. Call them to pay if you haven't received a bill.

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Becoming pregnant is not considered a life event that triggers a special enrollment period to enroll in a qualified health plan through Maryland Health Connection outside of Open Enrollment or to change your current health plan. Giving birth will qualify you for a special enrollment period.

However, if you become pregnant, you should update your information with Maryland Health Connection as soon as possible because this change may make you eligible for Medicaid (PDF). You can apply for Medicaid at any point during your pregnancy.

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A Special Enrollment Period allows you to enroll in a qualified health plan through Maryland Health Connection or change your current plan outside of the annual open enrollment period.

You may newly enroll or change plans only if you have certain life events and are otherwise eligible to enroll in coverage through Maryland Health Connection (including that you are a US citizen, US National or lawfully present in the US; you are not incarcerated; and you live in Maryland).

You have 60 days from the date of the triggering event to report the event to Maryland Health Connection and select your plan, if you are eligible to enroll.

If you believe you have experienced an error with your application and/or enrollment through Maryland Health Connection, please report your issue to the Consumer Support Center.

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There are a variety of life events and circumstances that may allow you to enroll in a qualified health plan through Maryland Health Connection or change your current plan. Whether you qualify for a special enrollment period depends on the type of event and how it affects your eligibility for coverage.

Examples of life events that may allow you to enroll in coverage through Maryland Health Connection outside of the annual open enrollment period include:

  • Getting married or divorced
  • Having a child, adopting a child, or placing a child for adoption or in foster care
  • Certain changes in income
  • Moving to or from Maryland, and certain moves within the state
  • Having a change in disability status
  • Gaining or losing a dependent
  • Certain losses of other health coverage (such as employer ending coverage, or loss of job or employee leaving a job that provides coverage — but not termination for consumer’s failure to pay plan premium)
  • Becoming ineligible for Medicaid or MCHP
  • Turning 26 years old if you are enrolled in coverage through your family’s plan
  • COBRA coverage period ends
  • Other changes that may affect eligibility include: change in tax filing status; change of citizenship or immigration status; incarceration or release from incarceration; change in status as an American Indian/Alaska Native or tribal status
  • Certain errors or exceptional circumstances. These are reviewed on a case-by-case basis.

You also should report other changes that may not affect your eligibility for coverage, such as corrections to name, date of birth, or Social Security number.

As part of the eligibility decision process, you may be asked to provide documentation regarding your income, lawful presence, incarceration status and/or American Indian or Alaska Native affiliation.

It is important to note that generally you cannot qualify for a Special Enrollment Period if you lose your health coverage because you stopped paying your premiums. Also, there is no Special Enrollment Period available to people because they become ill, develop a chronic condition or have an accident.

Becoming pregnant is not considered a life event that triggers a special enrollment period to enroll in a qualified health plan through Maryland Health Connection outside of open enrollment or to change your current health plan. However, giving birth will qualify you for a special enrollment period. If you are pregnant, you should report this information to Maryland Health Connection as soon as possible because you may qualify for Medicaid. You can apply for Medicaid at any point during your pregnancy.

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