Filling the need for trusted information on national health issues…

This year, I was covered under Plan A for part of the year. Then I lost my job and became eligible for Medicaid. I stopped paying premiums and assumed that would automatically cancel my Plan A coverage. Now I’m working again and eligible for premium tax credits and would like to sign up for Plan A again next year, but the insurer says I owe back premium and must repay it before my Plan A coverage will take effect. I can’t afford this amount. What can I do?

You may have several options. 
  • Call the insurer to explain your situation and ask if they will reconsider. If they won’t, ask if they would accept partial repayment or installment repayment
  • Report this problem to the Marketplace and to your state insurance regulator and ask their help resolving the problem
  • Review Marketplace plan options offered by any other insurers and consider signing up for one of those
In the future, if you should need to disenroll from a plan mid-year, it is important to actively disenroll and not just stop premium payments.  In states, you can log into your Marketplace account and select the option to terminate coverage.  This will also create a written record that you took this action.


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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.