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Individuals with Cancelled Policies Offered Possible Hardship Exemption

Individuals with Cancelled Policies Offered Possible Hardship Exemption

Dec. 20, 2013


Individuals whose policies in the individual health insurance market have been cancelled may be eligible for a hardship exemption that will enable them to enroll in catastrophic coverage. If these individuals find their plan options available in the Health Insurance Marketplace are more expensive than their cancelled health insurance policy, they may be eligible for less expensive catastrophic coverage if it is offered in their area.

Those seeking eligibility will need to complete a Hardship Exemption form, along with proof of policy cancellation, and submit it to an insurance carrier offering the catastrophic coverage. The insurer then will submit the form to the Center for Medicare and Medicaid Services (CMS) to verify the eligibility. Those interested in obtaining a Hardship Exemption may call the CMS call center at 1-866-837-0677 for more information.

CMS: Options Available for Consumers with Cancelled Policies (PDF)