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Grace period

A short period — usually 3 months — after your monthly health insurance premium payment is due. Pay all owed premiums during the grace period to avoid losing your health coverage.
The grace period for health insurance premium payments is usually 3 months if both of the following are true:
  • You have a Marketplace plan and qualify for advance payments of the premium tax credit.
  • You paid at least one full month's premium during the benefit year.
The length of your grace period may be different if you don’t qualify for a premium tax credit. Contact your state Department of Insurance for information on grace periods in your state.