You just got a health insurance cancellation letter. Now what?

21234522 - portrait of shocked couple looking at bill

You’re aware of how important it is to have health insurance. So when you get a cancellation letter (sometimes called a “non-renewal” notice) from your insurance company, it’s understandable if you panic. However, that doesn’t need to be the case. Read on to see what you can do in this situation:

See if the letter was sent in error

It’s possible that your cancellation letter was sent by mistake. In general, under the Affordable Care Act, your insurer can’t cancel your policy, except under specific circumstances.

Know that you have time

It is rare indeed that an insurer sends a cancellation letter and revokes your coverage the next day. Typically, these letters will state exactly when your coverage ends (anywhere from 30 to 180 days from the date on the letter). That gives you enough time to choose new coverage so that you don’t have any gaps.

Check if a new plan is offered

If your plan is being cancelled because the insurer is no longer offering it to the public, that insurer may help you choose a new one. Often, cancellation letters are accompanied by a suggestion regarding the most comparable plan the insurer does offer. It’s up to you whether you want to join this plan or not.

In the event of receiving an insurance cancellation letter or non-renewal notice, don’t panic. Turn to an expert who can help you navigate the health insurance world and you’ll sleep a little easier. (303) 663-9991

Do you need a long or short-term health insurance plan?


When you’re looking at health insurance plans, you may know WHAT you want, but do you know for how LONG? Maybe you or a spouse has a new job with health insurance, but that won’t begin for a few more months. Maybe you have a few bucks to pay for insurance in the near future, but aren’t so sure what your finances will look like after that. Either way, here are a few things to remember when deciding on an insurance plan.

Long-term plans

If you’re looking to get the most services possible out of your health insurance, and can afford to pay a little more, you probably want a long-term plan. The majority of these fall under the heading “major medical plans.” By law, they are required to meet all standards of the Affordable Care Act (ACA).

Short-term plans

On the other hand, if you want cheaper temporary or partial coverage outside the open enrollment period for health insurance, catastrophic and short-term plans are your best bet. However, it’s important to bear in mind that they do NOT have to meet the standards of the ACA.

If you’re still not sure which type of plan is best for you, contact a health insurance broker today!