Does my insurance have to be renegotiated every year? in 2014 I carried a Gold Health Alliance policy in Illinois. Without my knowing Jan 2015 my policy was changed to a much higher deductible policy. I only found out this happened in the middle of January 2015 when I received new insurance cards. I was admitted to the hospital Jan 3rd with Influenza A and pneumonia. After finding out my policy had been switched I called the Illinois marketplace to go back to my Gold Health Alliance policy. I am now having to pay out 4000.00 out of pocket with none of that amount going towards the deductible because I corrected the policy. Health Alliance and the Illinois Marketplace do not take responsibility for the change of policy as of Jan 2015. I feel there is a major flaw in the system . My hope is that you may be able to help me get some answers.