Reporting Life Changes:

Making Changes to a

Marketplace Application

Microlearning Transcript

Making Changes to a Marketplace Application

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There’s no need to lose sleep over navigating HealthCare.gov to report life changes.

Before we get to the scenarios, how prepared are you to help consumers make changes to their

Marketplace applications? Let’s start with a few questions to test your current knowledge.

The correct answer is Can. Where a person lives can affect what coverage they’re eligible for.

Consumers must reside in the state where they’re applying for Marketplace coverage or

to be residents of the county where the plan is offered.

Consumers who move to a different county within the state they live in should wait 30 days

before reporting their move to the Marketplace. True or False

False. Consumers must report moves to a different county within 30 days after the move. They

Ramin and Pearl got married two weeks ago. They just bought a house in a different county

within the same state and moved in together. Ramin added Pearl to his Marketplace plan but

forgot to update their home address and mailing address. Let’s help him report this life change.

Once Ramin logs into his Marketplace account, you should help him select his current

application and navigate to the correct screen to report a life change. What option should

Ramin select to report a life change? The correct answer is “Report a life change”.

Select the correct button to help Ramin continue to his Marketplace application, then select the

continue button.

Which selection will allow Ramin to continue to his Marketplace application?

Consumers can update their application online, by phone, or with the help of an assister – but

not by mail. For more information on how to report changes to the Marketplace, visit

HealthCare.gov/reporting-changes/how-to-report-changes.

After Ramin reviews his personal information, the “Home Address” screen appears.

Note: The application will first ask Ramin to update his address, since he is the application filer,

and then it will ask Pearl to update her address.

Let’s update Ramin’s address with the following information and select the Save & continue

1034 Whitney Lane

Bear, Delaware 19702

Note: If Ramin’s mailing address was different than his home address, he would select No on

the mailing address screen. Then, Ramin would need to enter his mailing address and select the

Save & continue button.

Next, let’s help Ramin confirm Pearl’s address.

After Ramin reviews his contact and language preferences, who needs coverage, marital status,

and tax relationships, he needs to update Pearl’s address.

to 1034 Whitney Lane, Bear, DE 19702. Pearl and Ramin bought a house and moved in

together, so they will have the same home address.

On the “Review everyone’s address” screen, Ramin should confirm his and Pearl’s new address

is correct and select the Save & continue button.

Finally, Ramin will continue through the rest of the application.

When he gets to the “Coverage & changes” section, he should report his and Pearl’s move on

the “Life changes” screen so the Marketplace will evaluate their eligibility for a Special

Enrollment Period (SEP).

He should read the statement and check the box to agree to it. Then he’ll enter his full name

(Ramin Hein) to electronically sign the application and select the Sign & submit button.

Ramin and Pearl will then receive a new eligibility result, which will indicate that they’re eligible

for an SEP since they moved to a new county and gained access to new Marketplace plans.

Great job helping Ramin and Pearl, but hold on, we’re not done yet!

No matter where consumers move, they must also update their Marketplace account profile

with their new address. If their home address and mailing address are different, they should

You should advise Ramin to navigate to “My Profile” and select the Edit button next to the

address field.

Congratulations! You have successfully helped Ramin and Pearl.

On the “Report a life change” screen, find and then select the Report a Life Change button to

Select the correct button to help Andrea report her change in income, then select the Continue

other information” button.

Now, let’s review Andrea’s income and expenses.

Her primary job at the Science Center is already on her application, so you should help her

select the correct button to add income from her second job.

Andrea’s employer for her second job is the University Science Lab.

Select the correct income type from the dropdown menu, then select the Save & continue

Let’s fill out Andrea’s provided income information.

• Employer: University Science Lab

• Employer phone number: 301-000-3443

• Monthly wages: $1,700

on this screen.

her expected yearly income is not correct. When the Marketplace calculates Andrea’s net

income, it assumes the dollar amount Andrea entered for her second job applies to the entire

year. However, Andrea started her second job in July, midway through the year, so the

Marketplace estimate is not correct.

For the next question, “Is Andrea’s income hard to predict?” Andrea can answer “No” since she

knows exactly how much she’ll make from her second job.

Let’s help Andrea calculate her income. The application will ask Andrea to provide the best

estimate of her income for the year she’s applying for coverage.

For July 1 – December 31, Andrea thinks she will receive six monthly payments of $1700 for her

second job, which is a total of $10,200. When she adds that to her income from her first job,

Great job helping Andrea report her change in income!

She will need to review and submit the rest of her application to receive a new eligibility result,

which will include updated information about her APTC eligibility.

Remind Andrea that she should update her income if her situation changes.

Good job on those scenarios!

Wrap Up

Congratulations! You have completed Making Changes to a Marketplace Application.

For more information on making changes to a Marketplace application, visit

HealthCare.gov/reporting-changes/why-report-changes.

You have successfully helped two consumers make changes to their Marketplace application.

To work through more reporting life changes scenarios, check out:

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U.S. taxpayer expense.