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There are some important things to consider before switching to a Marketplace Qualified Health Plan. You may not be able to switch your plan or keep your current plan if you have a pre-existing condition if you are planning on having any type of surgery or hospitalization soon, if you have a history of chronic health problems or life-threatening conditions, or if you don’t live in the U.S. You also need to know that because QHPs offer lower premiums and/or lower out-of-pocket costs like deductibles, they usually come with higher co-pays for services and prescriptions as well as different benefits for certain medications. So there is no guarantee that what you’re currently getting will remain the same when it comes time to switch from one plan to another. Additionally, QHPs have limited choices for providers--you can only use doctors who are in their network. Another thing to consider is the fact that QHPs don’t cover all of the care components that all other types of health insurance plans do (like hospitalization and prescription drugs). However, QHPs typically cover more services than other types of plans which helps make them more affordable.