Can Your Health Insurance Company Drop You? 
Today a health insurance carrier can drop a policyholder in only very limited circumstances . Generally , this would have to entail some sort of fraud/misrepresentation on the part of the policyholder themselves . For example , saying you lived in one state when your residence is actually in another state . Moving from one state to another could also be a legitimate reason for a carrier to drop your coverage though this is also a qualifying event that allows to enroll in new coverage -LRB- maybe even with the same insurance carrier -RRB- in your new state of residence . Another way that some persons will eventually be impacted by ObamaCare and may perceive that their health insurance carrier is trying to drop them will be what eventually happens to policies that were taken out prior to the passage of the Affordable Care Act in 2010 and that have been maintained since then . While we 've all heard the `` if you like your policy you can keep it '' line , this was never the long term objective of ObamaCare . Maintaining older policies and the legacy systems to support them while also building all your new business to be compliant with the requirements of the health care reform law as a serious administrative burden and cost to the insurance carriers , state insurance departments and obviously it has been a headache for the Federal government too . The pressure will continue to build to phase out pre-ObamaCare policies which , while technically this wo n't represent a cancellation as your insurance carrier will have to offer you replacement coverage that is ObamaCare compliant , will probably feel like you 're having you coverage dropped to many people . 