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What are my options if I missed the deadline to submit my documents?

If you don’t send the documents the Marketplace requested (like proof of income, citizenship, or loss of coverage) by the deadline, your coverage or savings may end. But you still have options.

Zachary Ortiz avatar
Written by Zachary Ortiz
Updated yesterday

What happens if you miss the deadline

  • If you didn’t send proof of citizenship or immigration status → Your coverage may be canceled.

  • If you didn’t send proof of income → You may lose your premium tax credits or cost-sharing reductions.

  • If you didn’t send proof of loss of coverage → Your plan may not start.

What you can do

  1. Call the Marketplace right away at 1-800-318-2596. Explain your situation and ask if they can extend your deadline. In some cases, they can give you extra time.

  2. Gather your documents (driver’s license, pay stubs, prior insurance notices, or other requested proof).

  3. Submit them as soon as possible through your HealthSherpa dashboard or at HealthCare.gov.

  4. If your coverage was already canceled, you may need to reapply. If you qualify for a Special Enrollment Period, you can submit a new application and upload your documents then.

Quick tip

Don’t wait until the last minute - Marketplace review can take 5–30 business days depending on the type of document. Uploading early avoids gaps in coverage. If you’re unsure how to upload documents, contact our Consumer Support team at 855-772-2663, Monday–Friday, 6am–4pm PT.

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