Can You Change Health Insurance Companies Mid Policy? 
I will presume that your question refers to individual health insurance coverage . Now that we are into 2014 and the Affordable Care Act -LRB- ObamaCare -RRB- provisions for individual and small group health insurance are fully in effect your freedom of movement as a health insurance buyer is rather severely restricted . Outside of the new annual open enrollment period changing your health insurance carrier in mid-policy year is only allowed under limited circumstances . Change of life status events -LRB- which I have addressed in previous questions on that topic - please see my past answer history -RRB- , financial failure of the health insurance carrier you selected , or defrauding the consumer are virtually the only ways a person can change insurance carriers mid-stream . So , if you got on HealthCare.Gov during the last open enrollment period , purchased a health insurance plan because you liked the monthly premium but did n't bother to do your research and learn that your doctor 's , hospital or pharmacies are n't in-network providers then this is a classic example of `` Let The Buyer Beware '' and you will have to live with your choice until next year 's open enrollment when you can switch carriers . This is why the individual health insurance consumer should seek out the services of a qualified health insurance agent who can explain all the subtle details in today 's health insurance plans that the average consumer could quite possibly miss . 