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How Do You Report an Income Change to the Marketplace?

Find out how to report an income or household change to the Marketplace, why it matters for savings, and what makes the update take effect.

Direct answer

To report an income change to the Marketplace, update your existing HealthCare.gov application through the Report a Life Change path or contact the Marketplace Call Center. After editing the application, review the new eligibility results and complete any To-Do List steps so the change can take effect.

income or household change + application update + To-Do List completion = updated Marketplace eligibility

Changes that matter

Income change

Can change premium tax credit amount

Savings may go up or down

Household change

Can change eligibility and plan options

Application results may update

Same-state move

Can affect plan availability

May need to update address and plan

Move to another state

Usually requires a new application

Old-state update may not be enough

Other coverage

Can affect Marketplace savings

Employer, Medicaid, Medicare, or CHIP offers matter

Change	Why report it	Possible result
Income change	Can change premium tax credit amount	Savings may go up or down
Household change	Can change eligibility and plan options	Application results may update
Same-state move	Can affect plan availability	May need to update address and plan
Move to another state	Usually requires a new application	Old-state update may not be enough
Other coverage	Can affect Marketplace savings	Employer, Medicaid, Medicare, or CHIP offers matter

Reporting a change is not finished at the edit screen

After you update the application, HealthCare.gov may show new eligibility results or To-Do List items. Finish those steps before assuming your savings or coverage status changed.

Report the change

1Sign in to your HealthCare.gov Marketplace account.
2Choose the current application and use Report a Life Change.
3Update income, household, address, or coverage details as needed.
4Submit the updated application and review new eligibility results.
5Complete any To-Do List items and follow plan-selection instructions if they appear.

FAQ

Do I need to report every income change to the Marketplace?

Report income, household, address, and coverage changes that can affect Marketplace eligibility or savings. HealthCare.gov says reporting changes quickly can help keep premium tax credits accurate.

Will updating my application cancel my current coverage?

Not automatically in every case. Reporting a change updates eligibility results and may require plan action, document steps, or review before changes take effect.

What if I moved to another state?

HealthCare.gov says a move to a different state usually means starting a new Marketplace application rather than only updating the old one.

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.