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How Do You Appeal a Marketplace Decision?

Learn how to appeal a Marketplace decision, what can be appealed, and why the fastest path is usually filing online through HealthCare.gov.

Direct answer

You can appeal a Marketplace decision if you disagree with an eligibility, enrollment, savings, or coverage-related decision shown in an Eligibility Notice. HealthCare.gov says most appeals must be filed within 90 days of the notice date, and online filing is usually the fastest path. State-based Marketplaces may use their own appeal processes.

Eligibility Notice + disagreement + within deadline = Marketplace appeal path

Marketplace appeal checks

Eligibility decision

Yes

Use Eligibility Notice and file within deadline

Savings amount

Often yes

Include notice and supporting documents

Document request

Maybe not yet

Submit requested documents first if instructed

Urgent health risk

Possible faster appeal

Request expedited handling if eligible

State-based Marketplace

Different process may apply

Use state Marketplace appeal instructions

Issue	Appeal fit?	Next step
Eligibility decision	Yes	Use Eligibility Notice and file within deadline
Savings amount	Often yes	Include notice and supporting documents
Document request	Maybe not yet	Submit requested documents first if instructed
Urgent health risk	Possible faster appeal	Request expedited handling if eligible
State-based Marketplace	Different process may apply	Use state Marketplace appeal instructions

Documents and appeals are not the same

If the Marketplace asks for documents, submitting them by the deadline may solve the issue without an appeal. File an appeal when you are disputing a Marketplace decision after reviewing the notice.

File the appeal

1Find the Eligibility Notice and note the date on it.
2Confirm the issue is a Marketplace decision you can appeal.
3Gather application details, notice information, and supporting documents.
4File online through HealthCare.gov when available, or use mail or fax instructions.
5Ask for an expedited appeal if waiting could seriously risk your health.

FAQ

How long do I have to appeal a Marketplace decision?

HealthCare.gov says most Marketplace appeals must be filed within 90 days of the date on the Eligibility Notice.

Should I submit documents before filing an appeal?

If the Marketplace asks for documents, submit them by the deadline. An appeal is for disputing a formal decision, not a substitute for every document request.

Is filing online faster than mailing the appeal?

Yes. HealthCare.gov describes online filing as the fastest way to submit a Marketplace appeal, while mail and fax are alternatives.

Sources & method

We reviewed these references while writing this answer. Figures are estimates — confirm safety-critical work with a professional. Last updated June 7, 2026.