How to Cancel Your Current Health Insurance

If you’re looking to cancel your current health insurance, there are a few things you’ll need to do. Follow these steps and you’ll be on your way.

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It is important to know how to cancel your current health insurance policy before you sign up for a new one. If you do not cancel your old policy, you may end up paying for two health insurance policies at the same time, which could be expensive. follow the steps below to cancel your current health insurance policy.

Cancelling Your Insurance

Whether you have a plan through the Marketplace, an employer, or bought it yourself, you can cancel your health insurance at any time. Most people choose to cancel their health insurance when they no longer need it or can no longer afford it. Some people may also need to cancel their current health insurance if they are moving to a new state or plan.

If you have an ACA plan

The process for cancelling your ACA health insurance plan depends on how and when you purchased your plan.

If you purchased your ACA health insurance plan through the federal or state marketplace, you can cancel your plan at any time. However, if you cancel your plan outside of the open enrollment period, you will not be able to sign up for another ACA health insurance plan until the next open enrollment period.

If you purchased your ACA health insurance plan directly from an insurance company, the company may have different rules for cancelling your plan. Be sure to check with your insurer to find out how to cancel your plan and what, if any, fees may be associated with cancelling.

If you have a non-ACA plan

If you purchased health insurance outside of the Marketplace, you can end your coverage at any time. However, if you plan to replace your current coverage with a Marketplace plan, you should wait to cancel your non-ACA coverage until your new Marketplace plan is in place.

You can cancel most non-ACA health insurance policies online or by contacting your insurer directly. Some insurers may require you to send a written cancellation notice. Make sure to keep a copy of any correspondence for your records.


If you decide that you need to cancel your current health insurance for any reason, there are a few steps you need to take. First, call your insurance company and explain that you would like to cancel your policy. They will likely give you a cancellation form to fill out. Once you have filled out the form, send it back to the insurance company along with any required documentation. You should also receive a notice confirming that your policy has been canceled. Be sure to keep this notice in case you need to show it in the future as proof that you had health insurance at one time.

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