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Can You Be Denied Health Insurance After Your Policy Was Cancelled?

Last Updated on March 14, 2023 by Nurse Vicky


Can You Be Denied Health Insurance After Your Policy Was Cancelled?


Health insurance is an important aspect of healthcare that ensures individuals have access to medical care when they need it. However, there are times when health insurance policies get canceled, either due to non-payment of premiums or other reasons. When a policy is canceled, the insured person may wonder if they can still be denied health insurance in the future. In this article, we will explore this topic and provide answers to some common questions.


 Can You Be Denied Health Insurance After Your Policy Was Cancelled?


Yes, you can be denied health insurance after your policy was canceled. When you apply for health insurance, the insurance company will check your medical history and ask questions about your previous health insurance coverage. If they discover that your previous policy was canceled due to non-payment of premiums or other reasons, they may consider you a high-risk customer and deny you coverage.


What Are Some Reasons for Policy Cancellation?


There are several reasons why a health insurance policy may be canceled. Some common reasons include:

  1. Non-payment of premiums: If you fail to pay your premiums on time, your policy may be canceled.
  2. Fraudulent activities: If you provide false information when applying for coverage or make fraudulent claims, your policy may be canceled.
  3. Violation of policy terms: If you violate the terms of your policy, such as by seeking care from a provider outside of the network or using your policy to cover non-medical expenses, your policy may be canceled.
  4. End of the contract period: If your policy has a specific end date, it will be canceled at the end of that period unless you renew it.


 What Happens When Your Policy Is Cancelled?


When your policy is canceled, you will no longer have health insurance coverage. This means that you will be responsible for paying for any medical expenses out of pocket. If you have a chronic medical condition or require ongoing treatment, this can be a significant financial burden.


Can You Get Health Insurance After Your Policy Is Cancelled?


Yes, you can still get health insurance after your policy is canceled. However, you may have to pay higher premiums or be denied coverage altogether. Insurance companies are not required to offer coverage to everyone who applies, and they may consider you a high-risk customer if your previous policy was canceled.


What Are Your Options If You Are Denied Coverage?


If you are denied coverage, you still have some options for obtaining medical care.

You can:

  1. Purchase a short-term health insurance plan: These plans typically offer limited coverage for a specific period of time, usually up to 12 months.
  2. However, they may not cover pre-existing conditions or provide the same level of coverage as a traditional health insurance policy.
  3. Apply for Medicaid: Medicaid is a government program that provides health insurance coverage to low-income individuals and families.
  4. However, not everyone is eligible for Medicaid, and the coverage may vary depending on the state in which you live.
  5. Seek medical care at a community health center: Community health centers provide medical care to people regardless of their ability to pay. They may offer services such as primary care, dental care, and mental health services.


How Can You Avoid Policy Cancellation?


To avoid having your health insurance policy canceled, you should:

  1. Pay your premiums on time: Make sure you pay your premiums on time to avoid having your policy canceled due to non-payment.
  2. Be honest on your application: Provide accurate and truthful information when applying for coverage to avoid having your policy canceled for fraudulent activities.
  3. Follow the policy terms: Read and understand the terms of your policy, and follow them to avoid having your policy canceled for violations.
  4. Keep your policy up to date: Make sure you renew your policy when it expires to avoid cancellation due to the end of the contract period.


Can You Appeal a Denied Coverage Decision?


Yes, you can appeal a denied coverage decision. If you believe that you were wrongly denied coverage, you can file an appeal with the insurance company. If the insurance company denies your appeal, you may be able to file a complaint with your state’s insurance commissioner or take legal action.


How Can You Choose the Right Health Insurance Policy?


To choose the right health insurance policy, you should:

  1. Determine your healthcare needs: Consider your medical history, any ongoing medical conditions,
  2. and your family’s medical history to determine the type of coverage you need.
  3. Research different policies: Look at different policies from different insurance companies to compare
  4. coverage, premiums, deductibles, and other factors.
  5. Consider the network: Make sure the policy you choose has a network of healthcare providers that
  6. you are comfortable with.
  7. Read the policy documents carefully: Make sure you understand the terms of the policy, including
  8. any limitations or exclusions.


What Are Some Common Health Insurance Terms?


Some common health insurance terms include:

  1. Premium: The amount you pay each month for your health insurance policy.
  2. Deductible: The amount you must pay out of pocket before your insurance coverage kicks in.
  3. Co-pay: A fixed amount you pay for a medical service or prescription.
  4. Out-of-pocket maximum: The maximum amount you will pay out of pocket for covered medical expenses in a given year.




In conclusion, having your health insurance policy canceled can have serious consequences for your ability to obtain medical care. If you are denied coverage after your policy is canceled, there are still options available, such as short-term health insurance plans, Medicaid, or community health centers.

To avoid having your policy canceled, make sure you pay your premiums on time, provide truthful information on your application, and follow the terms of your policy.

When choosing a health insurance policy, consider your healthcare needs, research different policies, and read the policy documents carefully. By taking these steps, you can ensure that you have access to the medical care you need.

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