How to Cancel Molina Healthcare: Marketplace, Medicaid, Medicare

To cancel Molina Healthcare, you have to go through the agency that controls your plan, not always Molina itself. A Marketplace plan is cancelled through HealthCare.gov or your state exchange. Medicaid is cancelled through your state’s health or social services agency. A Medicare Advantage plan is cancelled by contacting Molina directly, calling 1-800-MEDICARE, or using an online option if Molina offers one in your state. Sending the request to the wrong place is the single most common reason people keep getting billed after they think coverage ended.

Check Your Plan Type First

Look at your member ID card. It will say “Marketplace,” “Medicaid,” or “Medicare Advantage” (sometimes shown as “MA”). Each type has a different cancellation path, different timing rules, and a different agency on the other end of the request. Have your member ID number ready, and decide on the specific date you want coverage to end before you start, since some plan types let you choose a future termination date.

Cancelling a Molina Marketplace Plan

If you enrolled through HealthCare.gov or a state exchange, you cancel through that same portal. Calling Molina will not end your enrollment, because the Marketplace controls who is enrolled in exchange plans.

Log into your HealthCare.gov account and open your current application. Select “My Plans & Programs,” click “End (Terminate) All Coverage,” choose your coverage end date, check the attestation box, and confirm by clicking “Terminate Coverage.”¹ Save or print the confirmation screen and its reference number.

Federal rules define “reasonable notice” as at least fourteen days before your requested end date, but HealthCare.gov also allows same-day termination, meaning coverage ends the date you submit. You can also set a future end date if your new coverage starts on the first of the next month and you want to avoid a gap. If you’re only removing certain family members rather than ending the whole policy, their coverage ends immediately in most cases.²

Cancelling Molina Medicaid Coverage

Medicaid enrollment is run by your state’s health or social services agency, not by Molina. Molina provides the coverage, but the state decides who stays on the rolls.

The exact process varies. Some states have an online portal, others require a phone call to a caseworker, and some ask for a written request or a specific change-of-circumstances form. Your Molina member ID card typically lists the state agency’s phone number on the back. When you reach a representative, give your member ID, full name, date of birth, and the date you want coverage to end. If you mail paperwork, use certified mail so you have proof it was received.

One thing to know: Medicaid eligibility is reassessed on a regular cycle, and if your income or household size has changed, some states may close your case at the next renewal anyway. If you want coverage to end on a specific date, don’t wait for that to happen on its own.

Leaving a Molina Medicare Advantage Plan

Medicare Advantage works on fixed enrollment windows. You can only disenroll during one of them unless you qualify for a Special Enrollment Period.

Annual Election Period, October 15 through December 7. You can drop your Molina Medicare Advantage plan and return to Original Medicare, or switch plans. Changes take effect January 1 of the following year.³
Medicare Advantage Open Enrollment Period, January 1 through March 31. If you’re already in a Medicare Advantage plan, you can switch to another one or go back to Original Medicare during this window.³

Outside those windows, you need a Special Enrollment Period triggered by a qualifying event like moving out of the plan’s service area, losing Medicaid eligibility, or being released from incarceration. Most of these special periods last two full months after the qualifying event.⁴

How to Submit the Request

Under federal regulations, you submit a Medicare Advantage disenrollment request to the plan itself or through CMS-designated channels.⁵ Your options:

Call 1-800-MEDICARE (1-800-633-4227) and ask a representative to process your disenrollment.
Call Molina member services at the number on your card, or mail or fax a signed written disenrollment notice to the plan.
Use Molina’s online disenrollment option if one is available in your state.

The disenrollment is considered filed on the date the plan receives your request.⁵ Keep a record of when and how you submitted it.

Don’t Just Stop Paying

Not paying your premium is not the same as cancelling your plan, and the fallout differs by plan type.

For Marketplace plans with premium tax credits, you get a three-month grace period if you’ve already paid at least one full month’s premium during the benefit year.⁶ In month one of the grace period, your insurer still pays claims. In months two and three, claims may be held or denied. If you don’t pay all owed premiums by the end of the third month, coverage is terminated retroactively to the last day of month one, which means any care you received in months two and three becomes your personal bill.

Losing coverage for non-payment does not qualify you for a Special Enrollment Period. You’ll wait until the next Open Enrollment to get new Marketplace coverage unless another qualifying event applies.⁶ If you lose coverage before mid-December, you also won’t be auto-renewed for the following year. Formally cancelling is always cleaner than letting a plan lapse.

If You Had Marketplace Subsidies, Expect Tax Reconciliation

Cancelling mid-year does not release you from reconciling advance premium tax credits. If any advance credits were paid on your behalf during the year, you must file IRS Form 8962 with your tax return for that year, even if coverage ended partway through.⁷ The Marketplace sends Form 1095-A showing the subsidies paid during your months of coverage, and Form 8962 reconciles those advance credits against what your actual income entitled you to. Higher income than you estimated means you may owe some or all of it back.

Starting with tax year 2026, there is no repayment cap on excess advance premium tax credits. The full difference gets added to your tax bill.⁸ If you’re cancelling because you took a higher-paying job, run the numbers before filing. You can also log into your Marketplace account and update your income estimate, which adjusts the subsidy for remaining months and shrinks the year-end reconciliation. Skipping Form 8962 is not an option: if you don’t file it, you become ineligible for advance premium tax credits and cost-sharing reductions in future years.⁷

Confirm the Cancellation and Stop Autopay

Get written proof showing the specific date coverage ended, whether you cancelled online, by phone, or by mail. For Marketplace plans, your account status should update within a day or two. Medicaid and Medicare Advantage confirmations usually arrive by mail.

If you had automatic premium payments running through your bank or a credit card, don’t assume they’ll stop on their own. Log into your bank and revoke the recurring authorization. Some insurers keep drafting payments after a plan is technically terminated, and clawing that money back takes more effort than preventing the charge.

Watch the Coverage Gap

Cancelling without replacement coverage carries risks. California, Massachusetts, New Jersey, Rhode Island, and the District of Columbia enforce individual health insurance mandates with financial penalties if you go uninsured, so you may owe a state tax penalty for months without qualifying coverage.

Even in states without a mandate, a gap can hurt later. If you eventually enroll in a Medicare drug plan, any stretch of 63 or more consecutive days without creditable drug coverage can trigger a late enrollment penalty that permanently increases your Part D premium. The Affordable Care Act removed most pre-existing condition waiting periods for employer plans, so gaps matter less than they once did, but it’s still worth requesting a certificate of creditable coverage from your former plan for your records.

1
Centers for Medicare & Medicaid Services. Terminating a Marketplace Plan
2
Centers for Medicare & Medicaid Services. Cancelling or Terminating Consumer Marketplace Coverage
3
Medicare.gov. Joining a Plan
4
Medicare.gov. Special Enrollment Periods
5
eCFR. 42 CFR 422.66 – Coordination of Enrollment and Disenrollment Through MA Organizations
6
HealthCare.gov. Premium Payments, Grace Periods, and Losing Coverage
7
Internal Revenue Service. Reconciling Your Advance Payments of the Premium Tax Credit
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Internal Revenue Service. Questions and Answers on the Premium Tax Credit