Typically, a health insurer must have a valid reason to terminate your policy. Some of the most common reasons are the discontinuation of the plan, non-grandfathering a specific policy, or if the carrier is no longer offering plans in that area, or the entire state.
Of course, submission of fraudulent claims or misrepresentation of information can also cause a plan to terminate.
If your policy was canceled “without explanation,” simply contact the carrier and ask why the plan was terminated, were you notified in writing, and can it be reinstated. There should be a valid reason.
NOTE: An experienced broker is generally considered a better choice than healthcare.gov when comparing options and seeking unbiased and experienced advice.
IMPORTANT: Answer was provided by Edward Harris, one of the leading US health insurance brokers with more than 35 years of experience. His top-rated website Healthinsurancezoom.com provides consumers with the lowest available rates from the most reputable companies.