Why Can't I Cancel My Health Insurance? 
You can cancel your health insurance . If it is individual health insurance you purchased directly from a health insurance carrier you should be able to contact their billing and eligibility unit to cancel your coverage or contact your insurance broker for them to assist you in the termination . If you purchased your individual coverage directly through Healthcare.gov without the assistance of a health insurance broker then you are on your own as far as dealing with the helpful people at Heathcare.gov -LRB- and to be honest , while they are government employees my experience with them on the whole has n't been bad -RRB- but even then you should really be dealing with the insurance carrier you selected . Perhaps you are insured under a group health insurance plan at your place of employment and you are paying your share of the group insurance premiums on a pre-tax basis under a Section 125 plan -LRB- an IRS approved program that allows your insurance premiums to be taken out of your paycheck before your taxes are calculated -RRB- . If your work status has notchanged -LRB- e.g - going from full-time to part-time status -RRB- and you have not experienced one of the allowed change of life status events -LRB- e.g. - marriage , divorce , having a child , etc. -RRB- under the IRS regulations then you are essentially locked into your current enrollment status until your group 's next renewal date . In this circumstance simply deciding after you 've enrolled in the group health plan that you want to use that money for some other purpose is not reason enough to allow you to cancel your group health insurance coverage . This would be the circumstance where you might not be allowed to cancel your health insurance coverage . 