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

When life changes, it's time to take a second look at your health plan. We'll go over life events that could affect your coverage and guide you through the next steps.

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 big 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 Aetna’s 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 choose to use the credit, you need to include 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?

To report a tax credit, you need these forms:*

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

This form 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.

Keep in mind: This isn’t tax or legal advice. If you need help, contact your tax or legal professional.

*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

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.

Transforming health care, together

Banner|Aetna aims to offer access to more efficient and effective member care at a more affordable cost. We join the right medical professionals with the right technology, so members benefit from quality, personalized health care designed to help them reach their health ambitions.

Health benefits and health insurance plans are offered, underwritten, and/or administered by Banner Health and Aetna Health Insurance Company and/or Banner Health and Aetna Health Plan Inc. (Banner|Aetna). Banner|Aetna is an affiliate of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Each insurer has sole financial responsibility for its own products. Aetna and Banner Health provide certain management services to Banner|Aetna. 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.

On-Demand Virtual Care with 98point6 by Transcarent

Banner|Aetna offers access to 98point6 by Transcarent, a virtual care solution that enables members to connect to care anytime, anywhere via secure in-app messaging.

Treatment is provided by a U.S.-based care team, including board-certified doctors, who can diagnose and treat over 1,000 conditions, outline care options, prescribe* medication, and order labs or imaging when appropriate—all through the convenience of a mobile app.

Key Features:

Audio, video, and Spanish translation support available as needed
Access to care plans and lab results directly within the app
Referrals to in-network resources and specialists
Care is available in all 50 states and Washington D.C.
24/7/365 access with an average wait time of under 2 minutes—no appointment required.

Available to enrolled Banner|Aetna members and covered dependents age 1+* in an eligible plan.

Cost: Low-to-no-cost per visit*, depending on plan details.

*FOR ENROLLED MEMBERS AND COVERED DEPENDENTS AGE 1+: 98point6 by Transcarent is available to members age 1-17 when an adult parent or guardian is also enrolled in the plan. Access to 98point6 by Transcarent is not included in all plans.

*FOR LOW-TO-NO-COST WITH 98POINT6 BY TRANSCARENT: Members enrolled in a health savings account (HSA) or qualified high-deductible health plan (HDHP) must pay the applicable cost-share for virtual care visit until their deductible is met, after which services will be provided at no cost-share. All other health plan members pay $0 per virtual care visit regardless of whether their deductible has been met. Please refer to your plan documents for your applicable cost-share amounts.

*FOR 98POINT6 BY TRANSCARENT PRESCRIBING: 98point6 by Transcarent providers do not prescribe controlled substances (such as opioids), lifestyle medications (such as Viagra and Propecia) or weight loss medications (Wegovy or Ozempic). 98point6 by Transcarent and Transcarent Clinic clinicians are independent contractors and are neither agents nor employees of Banner|Aetna or plans administered by Banner|Aetna, and does not guarantee that a prescription will be written. Transcarent Clinic providers will not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. Clinicians reserve the right to deny care for potential misuse of services

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

Health insurance plans contain exclusions and limitations.

Language services can be provided by calling the number on your member ID card. For additional language assistance: Español | 中文 | Tiếng Việt | 한국어 | Tagalog | Pусский | العربية | Français | Navajo | Syriac-Assyrian | Serbo-Croatian | Thai | Deutsch | 日本語 | فارسی | Other Languages…