Can My Plan Be Cancelled for Non-Payment?

Under the federal mandate and state of Connecticut law, does an insurance company registered in Ct. have the right to terminate a ACA policy prior to the 31 days given (as quoted below) and 3 days before “open enrollment ” ends (in fact blocking the customer from getting coverage elsewhere), solely based on ‘not received payment , taking into consideration their invoice has following discloser :
“NOTICE: Full payment of the amount due must be received within 31 days of your due date or your benefit will be terminated. Our deposit of late or partial payments does not constitute acceptance or continuation of coverage. This invoice may also reflect a prior balance from a previous invoice. Failure to pay this prior balance by the of the current month may cause your coverage to be terminated.”

Keep in mind that this is related to 1st invoice under this policy so there are no ‘’previous invoice’’ .

Would I then be open for penalty for not having coverage until next enrollment period?

Leave a comment

We'll never share your email with anyone else.

1 2 3 4 5

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Is there a requirement to ensure a policy holder receives notification of nonpayment before termination of a policy occurs?


No, but there is a requirement that they tell you. They at least have to have sent a letter.

If you didn’t get a notice, you can appeal.


what happens if trumps cancels obama care do I lose my health insurance


Not immediately. You might lose access to cost assistance, but you’ll almost 100% be able to keep coverage if you continue it for life. Don’t know all the details yet.


I was cancelled without any notice. I made a payment on 4/6/ 2016 ad Pressure and had not received a bill and called and found out that my policy had been cancelled without any notification. I have High Blood pressure and and am on medication. I have been with BCBS for a long time and do not understand why I was not notified. When I made my last payment by phone I asked how much I owed and made the payment. Now I am uninsured and out of my payments that I made after receiving 3 different cards from BCBS with my plan changing without my permission. All different Plans. I fell like I have a law suit here as I am uninsured and will have to find other insurance. It will be hard to do as I have been cancelled without notice.


To address your other point, having them change the due date or to change their decision would require an appeal.


You should qualify for a special enrollment period due to the “hardship” of having your plan cancelled, this allows you to enroll 30 days before the “hardship” to avoid a coverage gap. Considering it’s already crunch time, i’m not sure how much good this will do right now, but it will hopefully be helpful to other folks down the line.


Thanks for your answer but as you can see , when you get Termination letter mailed out early so the last date of open enrollment is more or less same day, it becomes difficult to enroll in anything during the ‘open enrollment period’ options. So what I am trying to clarify is , can they shorten the terminate date they have issued in their invoice ? (temporary loosing coverage if premium has not been received on due date is one thing, and that they could have informed about during the 31 days (Aetna,CT has 31 days) from due date to Termination – but can they Terminate prior ?

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About or Contact us.