Action Plan: Changing health insurance
Your situation: You want to change your health insurance provider or plan
This action plan applies to you if:
- You’re changing health insurance providers or plans
Not your situation?
Answer a few questions, and we’ll get you to the right place.
Action Plan
Every health plan is different. When you change health insurance providers, learn about what your new plan covers to reduce costs. Here’s what you can do.
Read the Summary of Benefits and Coverage. Check to see if your new health plan covers the care you need.
Health insurance companies must give you a Summary of Benefits and Coverage upon request.
The summary is written in plain language. It explains how much your plan costs and what services aren’t covered by the plan. The last page of the summary shows example situations, like having a baby or managing type 2 diabetes. It lists how much those situations typically cost on the health plan.
Learn about Summaries of Benefits and Coverage on HealthCare.gov
Find an in-network provider.
Using an in-network health care provider will save you money. Out-of-network providers are more expensive. And they might not be covered by your health plan.
Here’s how to find an in-network provider:
- Call your health plan or check their provider directory
- Ask your friends and family for recommendations
Once you find a provider you’d like to use, double-check that they’re in-network. Call the provider’s office. Ask them if they’re accepting new patients, and confirm they are in your health plan’s network.
Still have questions? Find the answers you need in a way that works for you.
Call the No Surprises Help Desk
Get answers about the No Surprises Act. Call our Help Desk at 1-800-985-3059. We can help you in English, Spanish and over 350 other languages.
Find a patient advocate near you
Patient advocates can help you navigate the healthcare system. Work with an advocate to get the care and resources you need.
Page Last Modified:
08/25/2026 04:20 PM