I’ve signed up for insurance through a broker; however, I have neglected my payments. Am I still insured? What penalties will I incur? Thank you for your time.


As a rule of thumb you have 31 days to pay your first months coverage. Call your insurer, if your plan hasn't been cancelled then you simply pay your premium. If it has, then apply for a special enrollment period at the Marketplace (or if it's during open enrollment simply pick a new plan).

Remember coverage doesn't officially start until after you pay your premium. Consider putting it on auto-pay.

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