Understanding ACA Termination Policies

The Affordable Care Act (ACA) has a strict policy regarding the termination of health insurance coverage due to non-payment of premiums. According to the ACA, insurers must provide a grace period before terminating coverage for non-payment. This grace period is usually 30 days but can vary depending on where you live. If you fail to make your premium payment within this grace period, your coverage will be terminated.

It is important to note that the grace period does not apply to all situations. For example, if you intentionally fail to pay your premiums or if you provide false information on your application, your coverage may be terminated without a grace period.

Options Available after Coverage Termination

File an appeal with your insurance company. You have the right to appeal your insurer’s decision to terminate your coverage. You must provide documentation to support your appeal.
Enroll in a new health insurance plan. You may be able to enroll in a new health insurance plan through the Health Insurance Marketplace or through a private insurer. However, you may have to pay a waiting period before your coverage begins.
Apply for Medicaid or CHIP. Medicaid and CHIP are government programs that provide health insurance to low-income individuals and families. You may be eligible for Medicaid or CHIP even if you have been terminated from your private health insurance plan.
Consider other options. If you cannot afford to purchase health insurance, you may want to consider other options, such as joining a health care sharing ministry or using a sliding scale clinic.

Other Resources

[ACA Grace Period](https://www.healthcare.gov/apply-and-enroll/health-insurance-grace-period/)
[File an Appeal with Your Health Insurance Company](https://www.healthcare.gov/appeal-insurance-company-decision/)
[Enroll in a New Health Insurance Plan](https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/)
[Apply for Medicaid or CHIP](https://www.healthcare.gov/medicaid-chip/)
[Health Care Sharing Ministries](https://www.healthcare.gov/what-is-a-health-care-sharing-ministry/)
[Sliding Scale Clinics](https://www.healthcare.gov/low-cost-clinics/)

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