QUESTION

My insurer says I owe past due premiums for coverage and won’t enroll me for new coverage until I pay them. Is this allowed?

Individuals with no coverage | Open and Special Enrollment Periods |
ANSWER

No, this is not allowed. Insurers cannot require an applicant to pay outstanding premium debt from previous coverage, or use the existence of that debt, as a condition of new enrollment. If you think a health insurer is denying you enrollment because you have premium debt from prior coverage, contact your state’s Marketplace or state insurance department; a list of state departments of insurance is available under our Resources, When and How to Contact Insurance Regulators. (45 C.F.R. § 147.104.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues