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What happens to my coverage if I don’t pay my bill on time?

You pay in advance for your coverage.

You confirm your enrollment when you make your first payment. So it’s important that you pay your bill on time and in full. If you don’t, your plan could be canceled.

If your payment doesn’t go through or you don’t have enough money in your account to make the full payment, we’ll send you a letter to let you know. As soon as you know, call the customer service number on the back of your Blues ID card. We’ll take your payment over the phone, so you don’t have to worry about an interruption in your coverage.

Missing a payment could cause your coverage to become inactive. We’ll send you a reminder in the mail to let you know if your payment is late. You may have to pay for health care services during that time. Unless your plan has been canceled, we'll start your coverage back up as soon as we get your payment.

If you wait too long, we’ll cancel your coverage. When we cancel it depends on how you bought your plan.

  • If you bought your plan at healthcare.gov and you’re eligible for the Advanced Premium Tax Credit, we’ll cancel after 90 days.
  • If you bought your plan at healthcare.gov and you’re not eligible for the Advanced Premium Tax Credit, we’ll cancel after 30 days.
  • If you bought your plan on the Health Insurance Marketplace at healthcare.gov and you’re eligible for the Advanced Premium Tax Credit, we’ll cancel after 90 days.

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