Can Health Insurance Companies Legally Cancel You With No Explanation? 
Typically , a health insurer must have a valid reason to terminate your policy . Some of the most common reasons are the discontinuation of the plan , non-grandfathering a specific policy , or if the carrier is no longer offering plans in that area , or the entire state . Of course , submission of fraudulent claims or misrepresentation of information can also cause a plan to terminate . If your policy was canceled `` without explanation , '' simply contact the carrier and ask why the plan was terminated , were you notified in writing , and can it be reinstated . There should be a valid reason . NOTE : An experienced broker is generally considered a better choice than healthcare.gov when comparing options and seeking unbiased and experienced advice . IMPORTANT : Answer was provided by Edward Harris , one of the leading US health insurance brokers with more than 35 years of experience . His top-rated website Healthinsurancezoom.com provides consumers with the lowest available rates from the most reputable companies . 