Maryland's Official Health Insurance Marketplace

Renew or Change Your Health Plan for 2016

Financial Help

It’s time to renew your coverage for 2016!

Most likely, if you want to continue your current coverage, you don’t need to do anything. But you may find a different plan that better meets your needs or saves you money. Shop online now at

From Nov. 1 to Jan. 31:

Questions? Find free, local help understanding this information or making changes to your plan.

Options for Your Plan in 2016:

  1. Keep everything the same: In most cases, if you take no action, your coverage will automatically renew in the same or a similar plan. Be sure to review the notice we’ll send you in early October about any changes to your plan or unique situations in your household that may require you to take action, such as a dependent turning 26.
  2. Change plans or update your household information. Do this as soon as possible: During Open Enrollment, log into your account at, choose “Report a Change,” make changes, and complete enrollment.
    See Our Quick Guide (PDF)
  3. End your coverage: If you no longer want to be enrolled in any plan through Maryland Health Connection in 2016, please submit the Coverage Termination Form before December 31. Please note this form should NOT be used if you intend to renew or change plans for 2016.

If anyone in your household is enrolled in Medicaid/MCHP, they’ll get a separate notice before their renewal period. Enrollment in Medicaid and MCHP is open year-round.

Your Renewals Timeline

Oct. 1: You’ll receive a notice from Maryland Health Connection explaining your options for renewing your current plan or making changes. The notice also explains any changes in your plan’s monthly premium and your 2016 financial assistance, including advanced premium tax credits and cost-sharing reductions, which reduce your out-of-pocket costs when you go to the doctor.

Oct. 1-31. Your insurance company will send you a notice of any changes to your current health plan, such as costs and which benefits are covered.

Nov. 1: Open Enrollment begins. Log into your account at or get free, in-person help to enroll for 2016 or make changes to your current plan.

Nov. 25:  Make any changes by this date to avoid receiving two bills for January coverage (for the old and new information).

Dec. 15: Deadline to enroll or make changes to your plan that will start Jan. 1. Enrollments or changes between Dec. 16 and Jan. 15 are effective Feb. 1.

Jan. 1: Your 2016 coverage begins if you enrolled by Dec. 15! Be sure to pay your January bill by today to keep your coverage.

Jan. 15: Deadline to enroll or make changes to your plan that will start Feb. 1.

Jan. 31: Open Enrollment ends. This is the deadline to enroll or change your 2016 plan in most cases. New coverage or plan changes made between Jan. 16 and Jan. 31 will start March 1.

Dental insurance is now available through Maryland Health Connection

If your health insurance does not offer dental coverage for adults, you can buy a dental plan through Maryland Health Connection for 2016 during Open Enrollment. All qualified health plans offered through Maryland Health Connection already include basic dental coverage for children.

What should I consider before deciding to keep or change my plan?

  • Cost: See if you have lower-cost options and compare plans at during Open Enrollment. There may be a plan that better meets your budget and health needs for 2016.
  • Providers: The doctors and hospitals in your plan may have changed. Visit your insurance company’s website or to make sure your doctor and other health care providers are covered.
  • Benefits: Ask your insurance company or check your plan’s 2016 benefit booklet, which includes a description of benefits and the costs you pay when you use services, such as copayments and deductibles.
  • Drugs: Ask your insurance company or check your plan’s 2016 formulary, which includes a list of covered prescription drugs.

Learn more about choosing the best plan for you and your family.

Have you filed your 2014 taxes yet?

IMPORTANT: If you were enrolled in a qualified health plan in 2014 and received an advanced premium tax credit and/or cost-sharing reduction but you did not file a federal income tax return for 2014, you will not be eligible for financial assistance after 12/31/2015. Be sure to include IRS Form 8962 when filing, and then contact Maryland Health Connection for an updated eligibility determination.

Frequently Asked Questions about Renewals