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What happens if I don’t make my premium payment by the end of the grace period?

What happens if I don’t make my premium payment by the end of the grace period?

What happens if I don’t make my premium payment by the end of the grace period?

If you fail to pay your premiums and exhaust the grace period for plans offered in a health insurance marketplace, you will lose your insurance coverage. The grace period is either one month or three months long, depending on whether or not you’re receiving subsidies and whether or not you’ve paid at least one health insurance premium so far during the year.

The three-month grace period applies to those who receive federal subsidy assistance in the form of an advanced premium tax credit and who have paid at least one full month’s premium within the benefit year (as described below, there’s an exception to this rule when coverage is auto-renewed for the new year; the grace period can carry over from the end of one year into the next year, even if premiums have not yet been paid for the new year).

For those without a subsidy, the grace period is generally one month, although this can vary from one state to another, since it’s regulated at the state rather than the federal level. This applies to plans purchased on-exchange without a subsidy, as well as plans purchased outside the exchange, since none of those plans qualify for subsidies.

For enrollees who are not receiving subsidies, if payment is not made prior to the end of the grace period (typically one month), coverage will be retroactively terminated to the end of the month for which a premium was last paid.

For enrollees who are receiving subsidies (and who have effectuated their coverage by paying at least one month’s premium), if their premiums go past three months overdue, the coverage will be terminated retroactively to the end of the first month of the grace period. So if a subsidized enrollee pays the January premium but then doesn’t pay February, March, or April, the coverage would then be terminated as of the end of February.

In order to keep coverage in place past the end of the grace period, you have to be fully paid up by the end of the grace period. In other words, the grace period does not allow people to be perpetually three months behind on their premium payments. If you get behind on your premiums (and you’re receiving subsidies), you’d need to fully pay premiums for all three months of the grace period in order to retain your coverage.

If your coverage is terminated back to the end of the first month of the grace period due to non-payment of premiums, it’s important to note that you’re not eligible for a premium tax credit (subsidy) for that first month of the grace period. New York State of Health (the state-run exchange in New York) explains this with an example in question 12 of their FAQs about Form 1095-A. So the premium tax credit that was paid on your behalf for the first month of the grace period will need to be paid back when you file your taxes, even though your coverage didn’t terminate until the end of that first month of the grace period (ie, claims incurred during that month would have been paid by your carrier).

The IRS has also prepared FAQs about Form 1095-A, and notes that it’s common for people to receive an incorrect Form 1095-A if their coverage was canceled retroactively due to non-payment of premiums; in that case, the exchange will issue a corrected Form 1095-A. If in doubt, contact the exchange and/or your tax advisor.

Individuals who lose coverage in the marketplace due to non-payment of premiums will not be able to rejoin a marketplace health plan until there is a new open enrollment period, unless they experience a qualifying event (and most qualifying events have a prior coverage requirement; most are designed to allow a person to change coverage, rather than go from being uninsured to insured). During the time that you’re uninsured, you’ll be responsible for paying any medical bills that you incur.

Can I enroll again during open enrollment if my old plan terminated for non-payment of premiums?

Open enrollment allows people a chance to start over each year with new coverage, regardless of whether the prior year’s coverage was terminated during the year due to non-payment. That is once again true for 2023 regardless of past-due premiums, after some restrictions that applied for several prior years.

The market stabilization rules that were finalized by HHS in 2017 made some changes that allowed insurers to recoup past-due premiums when people try to re-enroll during open enrollment. But HHS has finalized a reversal of those rules as of 2023.

The 2017 rule is described in more detail here, but essentially, if your coverage was terminated for non-payment of premium and you then enrolled in a plan offered by that same insurer within 12 months of your prior plan being terminated, the insurer could require you to pay your past-due premium before effectuating your new policy, and could refuse to effectuate your new policy if you didn’t pay the past-due premium. But again, that rule will no longer apply as of 2023.

If your coverage was already terminated for non-payment of premiums, the most you would owe in past-due premiums is one month of premiums, as your plan termination date would have been the end of the first month of the grace period. If you weren’t getting a premium subsidy, you wouldn’t have any past-due premiums, because your plan would have been terminated to the last date that you had paid for the coverage (insurers cannot assess past-due premiums for months after the coverage termination date).

But if you’re still in the grace period when you’re re-enrolling (ie, your coverage hasn’t yet been terminated), you could owe up to three months of past-due premiums if you’re re-enrolling with the same insurer.

Under the 2017 rules, you could enroll in a plan with a different insurer without having to pay up your past-due premium from the prior year, although another insurer owned by the same parent company that owned your previous insurer would be able to require you to pay the past-due amount. And in some areas of the country, particularly rural areas, there was just one insurer offering plans (that is much less common now, as insurers have joined the exchanges over the last several years). This made it impossible for some applicants to avoid the past-due premiums rule if the insurer chose to implement it.

In June 2021, HHS noted that they were reconsidering this rule to determine “whether it may present unnecessary barriers to accessing health coverage.” And the Notice of Benefit and Payment Parameters for 2023, issued in May 2022, called for the rules to return to the way they were prior to the Market Stabilization Rule (in other words, insurers are no longer allowed to apply premium payments to past-due premiums if a person enrolls in the same plan, or another plan issued by that insurer, during open enrollment).

But HHS does note that insurers can still send past-due premiums to collection agencies (this is rare, and we’re not aware of insurers using this approach, but it is allowed). Again, this should not be more than one month of premiums in any case. A person who had a three-month grace period would owe one month of past-due premiums and would also have to repay the IRS for that month of premium subsidies. But a person who wasn’t receiving premium subsidies would find that their coverage was terminated back to the last day that they had paid for their coverage, meaning that there is no longer any past-due premium once the 30-day grace period expires.

What if I’m in the grace period during open enrollment?

HealthCare.gov enrollees who are in the grace period at the end of the year need to be aware that the grace period does not reset at year-end if the plan is auto-renewed.

So for example, if you didn’t pay November and December premiums, and then your plan is auto-renewed for January, you can’t just pay January’s premium to keep your coverage going for the coming year. You’d have to pay all three months (November, December, and January) by the end of the three-month grace period that began when you missed the November payment. The total amount has to be paid in full by the end of the grace period, or else your coverage will be terminated back to the end of November (this is the same system that would be used regardless of the time of year that the non-payment of premiums occurs).

However, if you enroll in a different plan for the coming year (rather than letting your plan auto-renew), your old plan would terminate back to the end of November, and your new plan would start January 1, as long as you pay January’s premium.

Although a person generally has to have made at least one premium payment during the current benefit year in order to be eligible for a grace period, that is not the case if they’re in a plan that has been auto-renewed. CMS has clarified (see Section D, “Termination of Coverage or Enrollment for Qualified Individuals (§ 156.270)”) that if a person’s plan is auto-renewed — either the same plan, or a crosswalked plan — that’s considered the same plan they already had, meaning that it has already been effectuated and the same grace period is available as would be available at any other time of the year.

So for example, consider a person who is receiving a premium tax credit, has paid for their coverage through December, and is auto-renewed for the coming year, but then fails to make their January premium payment. Although they haven’t made a payment in the current benefit year, they are still eligible for the same three-month grace period that they would have been eligible for if their premium lapse had happened a few months earlier.


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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John P Moss
John P Moss
2 years ago

I was automatically re-enrolled in my Cigna plan this January 2020. I never paid my premiums and, as far as they were concerned, I still qualified for a healthcare subsidy. In the meantime, I purchased a regular policy from an insurance agent without a subsidy. I assumed that the plan would terminate itself with no penalty. Now it is May 11th and my Cigna plan just terminated from lack of payment on April 29th (when an extended grace period ended). Cigna says we owe them $3800 for Jan thru Apr premiums and those premiums received a healthcare subsidy of $754. According to this article, they should have at most retroactively terminated the policy back to January or maybe February. But I am most worried about the tax subsidy that I may owe, even though I never used the insurance. I have been back and forth between Cigna and the Marketplace.gov and they keep shutting me down, saying they can;t do anything and we owe from January through the end of April. What are my options now?
John in Missouri

Louise Norris
Louise Norris
2 years ago
Reply to  John P Moss

John, I would recommend that you reach out to the Missouri Department of Insurance to see if they have any advice or guidance for you. In this situation, there should not have been a 90-day grace period, because you didn’t pay any premiums during the plan year, which began in January. The 90-day grace period for people with premium subsidies only applies if you’ve already paid at least one premium during the year, to effectuate your coverage. If no premium is paid even for the first month, the coverage should not have been effectuated, which means it was never in force. See more info on that here: https://www.healthcare.gov/apply-and-enroll/health-insurance-grace-period/
Cigna’s records should show that your plan was never effectuated, which would mean no premium subsidies should have been paid on your behalf. But if they did effectuate your plan for 2020, it should have retroactively terminated to the end of the month after you last paid a premium, which would mean the end of January. People in this scenario do have to pay back that month’s premium subsidy, but again, I don’t think that should be the case for you, since you never paid any premiums for 2020.

Kit
Kit
2 years ago

So here’s my situation. I had a subsidy from January to March. However in March I got notice from the Market Place that they had not received mg income info?? I didn’t argue and just sent it again. Then they come back and say not received in time! So I lose my subsidy. BCBS now charging me a $3K premium!! I appealed to the market place exchange and still waiting to hear back. However now I find my bcbs Insurance plan terminated! I need my insurance as my wife has an upcoming surgery. What can I do?

Louise Norris
Louise Norris
2 years ago
Reply to  Kit

Kit,
I’m sorry you’re in this situation. Did you use a broker to help with the enrollment process? If so, I would recommend contacting the broker asap, as they’ll be able to help you address this situation. If not, you’re going to need to work with both the marketplace and BCBS to get this sorted out. If you didn’t request an expedited appeal, you’ll want to do so, given the upcoming surgery: https://www.healthcare.gov/marketplace-appeals/expedited-appeal/ (if you’re in a state that runs its own exchange, the appeals process is different, but you should still be able to request an expedited process).
The problem here started with the marketplace, and they’re ultimately the ones who will need to reinstate your subsidy and alert BCBS to the situation. But since BCBS terminated your plan (presumably for non-payment of premiums?), you’re also going to need to contact them. From our experience, they each might try to pass the buck to the other entity, so it’s important that you document everything, including the name of the people you speak with and the incident/ticket numbers for your calls. You might even be able to get a representative from the marketplace and BCBS on a three-way phone call, which could help to sort it out.
Best of luck!

zoe
zoe
2 years ago

I am coming up on Medicare August 1. I have a very expensive plan from Kaiser right now (through Covered CA but they don’t pay anything) and it has a $6500 deductible. I haven’t paid June yet ($850) and I don’t want to pay July but…I don’t want to be completely without. What I’m hoping is I can squeak by in the grace period and if something happens I’ll pay and if I can make it to August without just get straight on Medicare. Do you think that is possible. (I feel dishonest but the payments have been killing me.)

Josh Schultz
Josh Schultz
2 years ago
Reply to  zoe

It’s never recommended to go without health coverage — but your concerns about premium costs are understandable. Medicare will be far more affordable once you get there. This article should answer your questions — although it seems like the answer may depend on whether you receive advance premium tax credits (APTC), which would extend your grace period from 30 to 90 days. If this is the case and you choose to drop your coverage as you mention here, remember that you’ll have to repay the IRS for APTC used in the first month of the grace period — meaning you’d only save a little more than one month worth of premiums.

Josh Schultz
Josh Schultz
2 years ago
Reply to  zoe

Your grace period is only 30 days if you’re not receiving subsidies — which means you probably wouldn’t be able to do this. However, if you’re receiving advance premium tax credits (APTC), your grace period is 90 days, and you would be able to delay your premium payment in the way you describe. Your coverage would continue through the end of the first month of the grace period if you receive APTC, which means you would have to repay APTC for that month — and probably wouldn’t save that much money.

Karin
Karin
2 years ago

I have until August 30 to elect Cobra and then have a 45-day grace period to pay. If I elect Cobra on August 30 and then become employed and receive health coverage before Oct 15 and have NOT paid Cobra, will that affect my credit rating or my ability to qualify for coverage with the same carrier?

Jeff
Jeff
2 years ago
Reply to  Karin

I’m wondering the exact same thing. Did you gen an answer? After being laid off I signed up for COBRA coverage for the month of October. I have not paid my premium (yet) and my coverage through my new employer starts the last week in October. Since we didn’t use our COBRA insurance for any services during the month, I’m wondering how not paying the COBRA premium will affect me (my new insurance is with a different provider).

Louise Norris
Louise Norris
2 years ago
Reply to  Jeff

Jeff, please see the response above. If you don’t make the payment to effectuate your COBRA coverage, your coverage will be terminated back to the date that your group coverage would otherwise have terminated without COBRA. So you’ll have a gap in coverage for most of October, but no past-due premiums that need to be paid, since the plan would not have been providing you with coverage during October.

Louise Norris
Louise Norris
2 years ago
Reply to  Karin

We would advise you to reach out to your state’s insurance department to make sure you understand any specific rules that your state may have. But in general, if you never effectuate your COBRA coverage (ie, you don’t make your premium payment), there’s no debt owed to the insurer because they never actually provided any coverage. Your coverage would simply terminate back to the date that your group plan was in force with premiums paid-up.
The scenario described in this article (in which a person could have a past-due premium that needs to be paid before a new plan could be effectuated) happens when an individual market plan is terminated due to non-payment of premiums, but the grace period results in the policy being terminated a month AFTER the premium was last paid-up, or when the grace period is ongoing during the time the person is trying to re-enroll and their coverage has not yet been terminated, meaning that they could owe up to three months of premiums. In those scenarios, the person has a debt due to the insurer. But if the coverage is never effectuated, there’s no debt due because no coverage was ever provided.

Cheri
Cheri
1 year ago

I paid for Cobra through 12/31/20. I had a doctor’s appt on 12/28/20 which was not billed until 2021. Who is responsible to pay the bill?  

Kathleen
Kathleen
1 year ago

Hi, I thought I was set up for automatic payment on my insurance premiums (NY state market place policy – United Healthcare). Today when I checked, I realized that I did not set it up correctly and I was two days after the grace period. I paid my full bill today (3/2) and the grace period ended on 2/28. The payment shows as submitted but is still processing. Is there anything I can do to help my case so that my insurance is not terminated? Thank you

Stacey Ann
Stacey Ann
1 year ago

I enrolled in Molina for 2020, my premium with my tax credit was $25. My last payment was in July 2020 and I haven’t made a payment since. I received a letter now 03/08/2021 saying I owe over $1.4k. I called marketplace and cancelled the plan, I was unaware they were still charging me month to month and took away the tax credit making my premium $300 and auto-renewed it. I’ve had insurance with my job since September 2020. What can I do?

Alyssa Byars
Alyssa Byars
1 year ago

I accidentally enrolled in coverage for my husband and I through the marketplace for Molina healthcare. The payment for this coverage being $300 a month each. For some reason when I enrolled they set my coverage back to January 8th. I applied only a week or so ago so mid march. So, they are saying I owe these payments for January-March. I would not have even qualified for insurance as I was enrolled in Medicaid for the month of January until the day I applied. I tried to cancel because my Medicaid was reinstated due to the pandemic until further notice. Is there anything I can do? Will I actually have to pay back for each of these months. I don’t have the money to make $600 a month insurance payments.

Erick Cruz
Erick Cruz
1 year ago

in am elegible for tax credit, however since i am enrolling during a special enrollement period they are telling me that i have to pay for the first month full premium ($900. 00 withouth applying subsidy). Do i get a refund for this first month at any point? Or doni lose this money even if i am approved for tax credit?

JOSEPH HESSLING
JOSEPH HESSLING
1 year ago

Even though I terminated my payments, the insurance (CareSource) continues to bill the monthly premiums. Healthcare.gov says I owe the payments because I did not notify them to cancel the policy. My last payment was for 10/31/2020, and just received a bill in 04/2021 for the month of November. No claims were made.

JOSEPH HESSLING
JOSEPH HESSLING
1 year ago
Reply to  Louise Norris

Thank you for the response. That was what made it hard to understand. There was no subsidy involved. It needed to cover a two month waiting period before the insurance kicked in for my new job on 11/01. I was told (incorrectly) to just stop making payments to CareSource. When I received a bill for November, I called CareSource, and they told me to call the MarketPlace. I called them, and they said I could not do a retroactive cancellation unless it met one of three criteria (all things like a natural disaster that prevented me from calling). So they cancelled as of 11/17. I filed an appeal with CareSource, and it was turned down, and I was told I owed until 11/17 – a partial payment. It is now going to collection. In the meantime, I spoke to several agents who have stated not paying premium should have cancelled the plan.

Mark Wilson
Mark Wilson
1 year ago

You need to be careful with the wording in the article about grace periods. You say it’s 3 months, but I’ve found that some insurance companies use 90 days instead. Your last day to pay might not be the last day of the third month of the grace period. It seems to be completely dependent on how each insurance company interprets the regulations.

John
John
10 months ago

I was laid off July 2021. Employer was supposed to pay for August and September 2021 but I don’t think they did. I submitted my COBRA election a week after I got laid off but Blue Shield said they never got it possibly because no one was at their building to accept the mail. I, then elected last day via e-mail for October. September, my new job insurance kicked in. So I never made any claims August-October and I just assumed I never had coverage from August-September. Do I need to make any payments for COBRA? I don’t think the employer paid even though I submitted the summary of dues to them. It’s 3/2022 now. The Blue Shield says nothing about dues owed. I stopped getting Blue Shield letters.

I totally forgot about it until now when I have to select which months I had HDHP in my taxes.

Jason
Jason
10 months ago

You stated that “the one-month grace period also applies to plans purchased outside the exchange, since none of those plans qualify for subsidies.” Where is the regulatory requirement/citation for the ‘off-exchange grace period’ located?

Christine A
Christine A
10 months ago

I paid my February premium on 2/27 online and got a confirmation number with the date and time the payment was made. HealthNet Ca didn’t post it until 3/1 and terminated me but I did not know this until I received their letter dates 3/1 but received on 3/11 which was late on a Friday. I called Monday morning for them to reinstate it back to 3/1 and as of today 3/24 they are still working on it and told me I have no coverage. I am so angry and feel my hands are tied and it was their error.

jennifer
jennifer
9 months ago

I paid the 1st month of COBRA coverage. I enrolled with marketplace instead of keeping COBRA the following month. The pharmacy billed my COBRA and they paid the claim a few weeks ago which I just discovered this happened. Apparently I am in a grace period that I was unaware of. COBRA shows I owe the month premium. Can they force me to pay back the prescription ? or the premium ?

Wendy
Wendy
9 months ago

My daughter recently left her job. Last day of employment was March 4. She started a new job on March 14, and her new insurance (which will be from the same provider, BCBS) takes 90 days to become active, on approximately June 14. . She has received a COBRA Continuation Coverage Election form that states the first day of COBRA is March 5, and last day to elect COBRA is May 10. If she elects and submits the election form on May 9, as I understand, she will have 45 days grace period to submit her first premium, which would be June 23, and her new insurance policy would have already gone into effect. Am I correct in my understanding that as long as she has made no claims at that time, she could, theoretically, choose not to pay the initial premium as she would no longer need the coverage? And this would have no negative effects on her credit score, or other consequences? Thank you for your advice.

Preet
Preet
9 months ago

Hello, So I signed up for a health insurance plan through Pennie (healthcare website)…they gave me a subsidy of about $1300 which I had to submit my tex documents for. I had a vacation planned and I went on vacation out of country and didn’t receive the notices on providing the income proof…they cut my subsidy and the insurance company sent me a bill for $2700 premium for 2 months. Now when I call them they keep saying I have to pay that bill but I don’t have the funds to pay it just like that. What are my options and who can I speak to in order to clear everything out.

Roger
Roger
9 months ago

I didn’t pay by end of the 30 days grace period. My insurer paid for my physician visits & prescriptions during the grace period. Will I be responsible for the bills that my insurer paid during the grace period?

Mike
Mike
8 months ago

My 30 day grace ends on a Sunday- The 1st. I’m trying to make a payment but cannot find the website I’ve used since it’s a tricky one. I even searched my computer history and looked at the packet with no luck. No website listed. I’m calling Monday to pay. Will they terminate me? What should i say for them to understand.

Ann
Ann
8 months ago

I had a Pennie plan while unemployed. When I started working Pennie terminated my plan and opened a new one. I got a bill stating in order to begin your coverage pay your first premium. However, turns out they count my firs premium as the plan I had while unemployed that they just terminated and wiped out all out-of-pocket contributions. I appealed and lost because even though the language stated otherwise, it truly wasn’t a new plan.
I appealed in December 2021, got an appeal hearing for March 2022, got a decision the last few days of April 2022 that I owe the premium where I received tax credits from October 2021. I called Blue Cross right after I lost my appeal and paid it over the phone. The money was taken out of my bank account. I contacted Pennie for a corrected 1095-A. They sent me a “New” 1095-A but it still has a zero in the first two columns as if i never paid the premium. I filled for an extension because of having to wait for the appeal decision. Have I lost the right to have a corrected 1095-A? Will they send me one I can only use in 2022?

Denise
Denise
8 months ago

Hello, I am in the special enrollment period to purchase an ACA plan due to loss of job coverage. I just signed up for a (subsidized) plan in North Carolina. I haven’t yet paid the premium because I am looking for another job that may have benefits. The ACA plan is due to start June 1. I haven’t been able to find information if I can delay that FIRST payment without the plan terminating during the first month? I will pay the premium (or cancel the plan) as soon as I know one way or the other if I have a new job. Do I have a 30 day grace period to pay the first premium? I do receive a subsidy.

Ryan
Ryan
7 months ago

Hello, I just stopped paying my monthly payment because I wanted them to cancel my membership. for Blue Shield in CA. They added a 30 grace period which I ignored and then after that they canceled my membership. However, they want me to pay for the 30 day grace period. What happens if I dont? Just like you said above, it will only matter if I come back to them for service later on, or will they send it to collections? Thank you

Ryan
Ryan
7 months ago
Reply to  Louise Norris

Thank you for this. Love how they have the bill saying past due amount.

Jo-Ann
Jo-Ann
4 months ago

While working for the Town of East Greenwich, RI I had Blue Cross Blue Shield of RI health insurance. I elected Cobra upon my voluntary termination and submitted my 1st premium payment before I left. .I submitted payments monthly until I enrolled in my new employers Blue Cross Blue Shield of RI health insurance plan . When I received my new ID card , I called my doctor and my pharmacy to give them the new information and left a message with Town of EG HR that I no longer required COBRA coverage.
The Town never advised BCBS that I left their employ and they did not cancel my coverage until 5 months after my final cobra payment. I received a collections letter from an attorney saying I owe the Town 3500 for 4 months of Cobra premium.
Since the town never notified BCBS that I was on Cobra – I was able to enroll in my new
plan and had “double coverage” for four months. My doctor visits and prescriptions were allocated to the EG plan and my new plan. I had no idea this was going on behind the scenes. I still paid co pays and my EOB did not show the EG Plan. I have spent at least 30 hours on the phone trying to get the claims moved from EG to new plan but it is impossible to accomplish. The collection lawyer sent me a Medical records release authorization to grant EG access to my health records so that EG can “try” to reverse the claims and cancel my coverage retroactively. I have spent over 30 hours on the phone with Blue Cross, CareMark. Prime, & DOL EBSE. R I Health Insurance Commissioner’s Office will not assist and CMS is impossible to contact. The collection attorney and the Town should easily know that this is not my fault or problem., but they do not understand at all. I don’t want this handing over my head but have no way of proving I do not owe this money.

john
john
4 months ago

hello, I need some help, my daughter signed up our grandson with Ambetter in Feb 2022. She kept getting a statement saying that she did not owe a bill. She kept calling them to make sure but they kept saying that since her other son was on a plan there was a credit that was moved over and as such she kept seeing a credit on her account. Well, today after she had made multiple calls finally received a letter saying that she owes back to February even though she has talked to multiple people that kept telling her she did not owe it. is there anything that can be done? Are we destined to make the back payments on this even though she can’t afford it? john in Arkansas.

J.S
J.S
3 months ago

Hi,
I was between jobs and ended up using Covered CA (Kaiser) for the month of Sept since I didn’t have medical insurance. I paid only for the month of Sept since I knew my employer medical benefits would kick-in from Oct. Recently, I checked my mail and saw a due past payment from Kaiser for the month of Oct for $452. I immediately called Covered CA and asked them to terminate my insurance but that would go into affect only from Nov onwards.
My question is, would I still need to pay my Kaiser Premium (Covered CA subsidy is only $1)? Or would this be counted as the grace period coverage which is technically not usable/covered since I haven’t paid Kaiser the premium?
Additionally, would they get the debt collection agency to come after me to collect the past due payment?

J.S
J.S
2 months ago
Reply to  Louise Norris

Spoke to covered california and they do not have any specific rules regarding this and instead they asked me to contact Kaiser. Do insurers usually terminate the insurance to the last date of the premium paid month or do they send it to debt collections?

Patrick
Patrick
3 months ago

I have a question thats probably been asked. I did the ptc for 2015 and 2016 then just did get 2017 until open enrollment in December for 2018 full year. Its 2022 and I received an IRS request for 1095A filled 8962form my 1095A mine has a policy date Jan1 2017 to Dec 31 2017 but no payments made. As I didn’t make any. IRS seems to think otherwise. In this case is the 1095A in error and needs to be corrected and sent in with the 8962form. Or should I call and ask about this?

Patrick
Patrick
2 months ago
Reply to  Louise Norris

Ok thx I call Market Place didn’t seem to understand all they saw was I didn’t pay any that year and hence its why I asked them if rhats an error. All she did was send me another 1095A form with the same info. Not corrected or a letter stating it was deleted. Ill try and figure this out by calling IRS.

Ann
Ann
1 month ago

I have had Kaiser insurance through Covered California for some months but starting this month (Nov 2022) I have a new Kaiser health plan through my spouse’s employer. The employer let us apply for their coverage in the last week of Oct 2022 so after the application was accepted and processed I called Covered California in the first week of Nov to cancel the Kaiser plan I had with them. They said they would cancel it but the cancellation date would be as late as 11/30/22(tomorrow) instead of 10/31/22. Since I didn’t want to pay for both plans in Nov (one with covered california and the other one with my spouse’s employer), I did not pay for the one with Covered California for Nov. and now Kaiser sent me a letter about a 30-day Grace period which will end on 12/10/22. The plan with covered california had been set to be terminated tomorrow 11/30 anyway, but I am worried about what will happen with the unpaid premium($377) for Nov. Would the termination date be backdated to Oct 31 2022 automatically showing no premium to pay during the tax season in 2023, or would the termination date still show 11/30/22 with the unpaid premium because I called covered california to cancel it and they specifically set the cancellation date to be 11/30? The grace period notice also mentions Kaiser having the right to send my info to collection agencies which makes me worried..Your advice would be appreciated.

Michael
Michael
1 month ago

If someone was going thru a divorce and bankruptcy, didn’t pay October, November, grace period ends January 1, and enrolled in the grace period with the same insurance company but a new and different plan, also with a subsidy, that is much cheaper and with the same insurance company, could I end up owing them 3 months or having my plan cancelled if not paid, or because this is a new plan and it’s not an auto-renew, which they had set up and I cancelled, or is this part of the old rules that were abolished? — “But if you’re still in the grace period when you’re re-enrolling (ie, your coverage hasn’t yet been terminated), you could owe up to three months of past-due premiums if you’re re-enrolling with the same insurer.”. (I couldn’t tell if this advice was past tense or present for 2023. Amazing article by the way, super impressed.

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