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Is Your Client at Risk of Losing Coverage?

March 18, 2026

Applies to Individual & Family Markets

If you have clients who have entered Grace Period 3 for missed payments, they are at risk of losing their coverage.

If they don’t act now, clients will lose the following:

  • Access to their doctors, specialists and more. Without coverage, visits to primary care providers or specialists may no longer be covered, along with annual checkups, vaccines, screenings and other preventive services.
  • Prescription drug coverage: Many medications can become expensive without insurance benefits helping to reduce costs.
  • Protection against unexpected costs. Without it, even a minor illness or injury can lead to large medical expenses. 

To see a current list of affected clients, please run a report in the Retail Producer Portal. For instructions, see Page 6 of the Retail Producer Portal Guide: Using Reports. Then reach out and let them know that they are in a grace period, and that they need to make their premium payment ASAP to retain their coverage.