What if my current individual
plan is changing or not being
offered in 2014?
Starting 2014, most individual plans must offer new benefits and protections. Some plans will be changed or replaced by upgraded plans with these protections.
If this happens to you, you can choose to buy a plan in the Health Insurance Marketplace (/what-is-the-health-insurance-marketplace/) instead. All Marketplace plans include these benefits and protections. If you switch to a Marketplace plan, you may qualify for lower costs based on your income (/how-can-i-save-money-on-marketplace-coverage/).
Most people with individual insurance will qualify for lower costs on a Marketplace plan.