Marketplace consumers receiving advance premium tax credits can keep their insurance for a 90-day “grace period” if they fail to pay one month’s premium. To qualify for the grace period, consumers must have also previously paid at least one premium during the coverage year. For the first month of the grace period, insurers must continue paying their share of costs for medical services. The insurer may hold off payments during the second and third months of the grace period. Consumers will lose coverage if they don’t pay their premium at anytime during the 90 days. Providers can then seek payment directly from the consumer. This brief from Health Affairs explains more on the grace period.