Can You Switch Your Insurance Companies If You Still Have An Unsettled Claim? 
Can you switch insurance companies while you have an unsettled claim ? Yes and no . With the ACA now the law of the land and there are only special situations that allow you to change out of the open enrollment window . If you meet one of those situations you can move from A to B without too much hassle . An outstanding claim is paid based on the date of service it occurred on . So your old plan would still pay any outstanding claims incurred during their time as your insurance company . One thing , in switching you lose all already paid deductibles and co insurance and basically start over with new deductibles and coinsurance . It may not be worth it to move away right this moment . This is one of those pull out the legal pad and start doing the math . You may find no reason to leave a plan midyear . Maybe changing on 1/1 would make more sense . 