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Curbing Insurance Cancellations

Current law prohibits insurance companies from cancelling your coverage just because you or your employer made a mistake on your insurance application.

Some Important Details

  • These protections generally apply to all health plans, including grandfathered plans, whether you get coverage through your employer or buy it yourself.
  • Your insurance company can still rescind your coverage if you intentionally put false or incomplete information that is material to the coverage on your insurance application.
  • Your insurance company  may also be able to cancel your coverage if you fail to pay your premiums on time.
  • You must receive at least 30 days’ notice from your insurance company before it can rescind your coverage, giving you time to appeal the decision or find new coverage.
  • If your plan is cancelled, you have several options, including a Special Enrollment Period. Learn more about your options when your plan is cancelled.

For More Information

Content created by Assistant Secretary for Public Affairs (ASPA)
Content last reviewed on January 31, 2017
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