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