What must individuals do to ensure coverage in a Health Insurance Marketplace plan?

To ensure coverage in a Health Insurance Marketplace plan, individuals must monitor changes within the plan. Health insurance plans can change their terms, coverage options, and costs annually or even during the plan year. Being aware of these changes is crucial for maintaining coverage and understanding what services and benefits remain available. This vigilance allows individuals to adjust their healthcare choices and financial planning accordingly, ensuring that they continue to receive the appropriate care and coverage needed.

In contrast, submitting all medical records is not a requirement for maintaining coverage; while some documentation may be needed for specific services, it's not an ongoing necessity. Seeking prior authorization for treatments is relevant for certain services but does not pertain to the general requirement of ensuring coverage with the Marketplace plan as a whole. Consulting a case manager could be beneficial for navigating specific healthcare needs but is not an essential step for ensuring the overall coverage in the plan. Therefore, monitoring changes within the plan is the critical action that individuals must take.