Does non-cancellation of health insurance apply to all insurance plans?

Joane Goodroe

The Affordable Care Act stops health plans from retroactively canceling your insurance coverage solely because you or your employer made an honest mistake on your insurance application.

This provision applies to all health plans, whether you get coverage through your employer or purchase it yourself.

This provision applies to plan years or policy years that begin on or after September 23, 2010. To find out when your plan year or policy year begins, ask your insurer or plan administrator.

Your insurance company can still rescind your coverage if you intentionally put false or incomplete information on your insurance application, and it can cancel your coverage if you fail to pay your premiums on time.

Your insurance company must give you at least 30 days’ notice before it can rescind your coverage, giving you time to appeal the decision or find new coverage.

Continue Learning about Healthcare Reform

How to Pick a Plan in the Health Insurance Marketplace
How to Pick a Plan in the Health Insurance Marketplace
Since the Affordable Care Act’s (ACA) Health Insurance Marketplaces opened for business in 2013, many more people have been regularly shopping for ins...
Read More
Will the new healthcare law reduce waste, fraud and abuse?
Yes. The new health care law reduces waste, fraud and abuse:   The law cracks down on waste, fraud...
More Answers
What does the Affordable Care Act mean for me if I'm uninsured?
AARP Health EducationAARP Health Education
If you are uninsured, you have access to health insurance - even if you have a pre-existing conditio...
More Answers
What Are Electronic Medical Records Going to Solve?
What Are Electronic Medical Records Going to Solve?

Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.