Cancelling a plan, terminating a plan, or stopping automatic renewal
How to start
From the Active Policies (on EDE application Overview) page, click Cancel Plan. The Manage Plan window opens. Enter a Cancellation Effective Date, then click Terminate Plan.
Warn the client first: once coverage is stopped, they can't re-enroll until they qualify for a special enrollment period or until open enrollment.
The date you enter decides the action
Cancel — used when the plan hasn't started yet. The date must be the coverage start date or the day before.
Terminate — used when coverage has already started. The date must be today or a future date. No backdating.
Valid dates
No past dates.
If a plan already has a future stop date, you can move it earlier (to today or any date before the current one) — never later.
If the window rejects your date, it breaks one of these rules.
Troubleshooting
No option to cancel or it won't go through — the action only appears when the client is eligible. Usually the plan has already ended.
Can't remove just one family member — only whole plans can be stopped. To drop one person, report a life change so they're no longer requesting coverage.
Terminating health also stops dental — when both are active, stopping health stops all active health and dental plans at once. Dental-only coverage isn't offered.
Stopping automatic renewal
Use the Stop coverage for [next year] button to opt out of automatic renewal into next year's plan.
It's only available when:
You're inside the yearly opt-out window.
The plan is finalized (not pending).
The plan isn't already set to stop before December 31, and the client hasn't already opted out.
Opting out applies to all plans on the application — not a single plan or person.
What happens:
Next year's renewal not yet created → the current plan stops December 31, and no renewal is created.
Next year's renewal already created → the current plan stops December 31, and the next-year plan is cancelled.
Still stuck?
Check the date rules first. If a valid action still won't go through, the client can finish onHealthCare.gov or by calling the Marketplace Call Center.