QUESTION

My individual plan was retroactively cancelled even though I’ve been paying my premiums. I think it might be because I was recently diagnosed with a serious health condition. Can they do this?

Post enrollment issues | Individual Health Insurance
ANSWER

No. Under the Affordable Care Act, insurers are not allowed to cancel (or rescind) an individual’s coverage unless that individual commits fraud or intentionally lies on his or her application for insurance. Further, insurers are no longer allowed to discriminate against any individual because of his or her health status. However, insurers may cancel coverage if a policyholder fails to pay premiums. If you believe your insurer has cancelled your coverage because of a recent diagnosis or your need for health care services, contact your state Department of Insurance. (45 C.F.R. § 147.106).

Individuals with no coverage
Individuals with coverage
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Post enrollment issues