Can Health Insurance Companies Legally Cancel You With No Explanation? 
This is probably one of the worst times in our economic history to be insured on an individual health insurance plan . The Affordable Care Act -LRB- ACA , aka Obamacare -RRB- is making it difficult to many health insurance plans to continue offering coverage . This is due in part to the host of new coverage mandates that some carriers do not think they can afford to offer . In some others , the carrier could not rewrite the language to suit the new law and so they are scrapping them . In other instances the coverage of the plan does not meet the requirement of the law and so the company chooses to leave the marketplace . Every state has a law on how a carrier must treat a customer when non-renewal occurs . If you are sure you have n't received such a notification as to `` reason '' , contact the carrier or your state insurance department and request an answer as to why you are receiving the notification . Also , make sure the payment was made and credited so that you can rule non-payment off the list right away before contacting the state insurance regulatory authority . 