Yes, this is allowed. Insurers can take into account past due premiums that you owe them for coverage in the previous 12 months when you apply for a new plan. This requirement does not apply if you are signing up for coverage from a different insurer from the one to whom you owe past due premiums, and only affects the person responsible for paying premiums on the previous policy, not other family members enrolled in the plan. This applies to both open enrollment and special enrollment periods. If you think this is an error, 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; 82 Fed. Reg. 18346, April 17, 2017).