Life happens. Let’s make sure your benefits work for you.

Legal Notices: Health benefits and health insurance plans contain exclusions and limitations.

Helping you keep up with your coverage

You’ll want to review your benefits if …

You’re turning 26

Your parents can generally cover you on their health plan until age 26.* After that, you can explore affordable plans here.

Find individual & family plans

You’ve had a life change

Life events like a job loss, marriage or a new child may qualify you to change your plan outside the Open Enrollment window.

Learn if I qualify

You’re turning 65

Starting to think about Medicare? Get helpful information to make a smart decision about your health coverage.

Visit our Medicare education hub

What you need to know about tax credits

When you signed up for your Marketplace plan, you may have qualified for a tax credit.

If you got this credit, you can:

Use the credit when you file your federal tax return. This lowers your taxes.
Use the credit when you sign up for a plan. This lowers your monthly premium.

No matter how you received this credit, you’ll need to account for it on your federal tax return.

Forms you’ll need for your tax return

I’m ready to file my federal tax return. What forms do I need, and where can I get them?: Here are the two forms you’ll need:*

Form 1095-A (Health Insurance Marketplace^® Statement)

This statement shows how much your health plan costs and the tax credits you received. It’s mailed to you in February. Need a copy? Log in to your Healthcare.gov account.

Form 8962 (Premium Tax Credit)

The next step is to file Form 8962 with your tax return. To complete it, you’ll use the information from statement 1095-A. You can find Form 8962 and helpful information on the IRS website.

*FOR FEDERAL TAX RETURN FORM DETAILS: This is not legal or tax advice. Contact your legal counsel if you have questions.

Examples of life changes to report

What if my household or income changes?

Update your information right away! Keeping your application current helps make sure your premium tax credit is correct. For example, if your family grows, you could qualify for a higher tax credit. Or if your income goes up, you could qualify for a lower tax credit. (The sooner you report a raise in income, the less you may have to pay back on your taxes.)

Examples of changes to report include:

You got a raise or lost a job
You got married or had a baby
You became eligible for Medicare or Medicaid
You had a change in disability or citizenship status

How to report changes to the Marketplace

How can I report changes to the Marketplace?: There are three ways to report income, household or other changes to the Marketplace.

Online

Login to Healthcare.gov to update your Marketplace application.

By phone

Contact the Marketplace Call Center at 1-800-318-2596 (TTY:1-855-889-4325).

In-person

Find local help in your community.

Need more help?

How to report changes to the Marketplace.

Questions? We’re here to help.

Get in touch with us

Our dedicated representatives are here to answer all your questions.  Just call the number on your ID card Monday — Friday, 8 AM to 6 PM local time. 

Notes

*FOR AGE 26: Your dependent child may continue coverage if your child is disabled, or in school and on a leave of absence.

Now that’s innovation

Innovation Health is transforming the health care journey. Through innovative programs, coordinated care, and convenient access, our health plans are personalized to fit our members’ needs. Discover how we are helping members achieve their health ambitions right in their community.

Legal Notices & Privacy Policies

Health plans are offered and/or insured by Innovation Health Plan, Inc. (“Innovation Health”). Innovation Health® is the brand name used for products and services provided by Innovation Health Plan, Inc. Innovation Health Plan, Inc. is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna). Aetna provides certain management services to Innovation Health. Aetna, CVS Pharmacy^® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health^® family of companies.

Availity^® is a registered trademark of Availity, LLC.

This material is for information only and is not an offer to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Providers are independent contractors and are not agents of Innovation Health. Provider participation may change without notice.