This planning quote from Tolkien’s fantasy classic The Hobbit does what all good quotes should do, speaks to the reader on many levels. This is, of course, a piece of dialogue that moves the plot forward. But Tolkien isn’t merely talking about made-up lands. He’s referring to the necessity of identifying risk in any thorough plan.

<p>If you're enrolled in a Marketplace plan and your income or household changes, you should update your application with income and household changes as soon as possible.</p>
<p>These changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for. After you finish applying or enrolling, you may be asked to submit documents to</p>

If you're enrolled in a Marketplace plan and your income or household changes, you should update your application with income and household changes as soon as possible.
These changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for. After you finish applying or enrolling, you may be asked to submit documents to