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Hamm extends renewal of cancelled health insurance policies
Hamm extends renewal of cancelled health insurance policies
BISMARCK, N.D.—North Dakota Insurance Commissioner Adam Hamm today announced that he is extending the opportunity for health insurers that renewed would be cancelled policies last fall to continue that renewal.
In November, 2013 President Barack Obama announced an administrative “fix” allowing companies to renew plans cancelled as of Oct. 1 through the end of 2013. In March of this year, the President announced the potential to allow extensions of those plans for two more years.
"I continue to believe that people should be able to keep their insurance if they want to,” said Hamm. “Allowing the companies that extended these policies last year to continue gives policyholders more choices to have insurance that fits their own needs.”
Consumers whose policies have been or will be cancelled should consider the following before making a decision to renew a health insurance plan:
  • The benefits of the renewed plan will be the same, but costs could increase.
  • If you had a pre-existing condition exclusion or other limitations in your previous plan, they will still exist.
  • The level of benefits and other requirements in a renewed plan may not be as comprehensive as plans being sold effective Jan. 1, 2014 that comply with ACA.
Hamm also noted in guidance provided to the insurance companies that he will allow companies to offer this extension to groups that are currently considered a large group but that will be defined as a small group in 2016 when the definition of employer size changes.
“Congress still needs to consider permanent action that will ensure people get to keep the insurance they want,” he said.
Consumers whose health insurance policies have been or will be cancelled should contact their insurance company for more information.

 Click here to read the Transitional Renewal Memo.

 Click here to read the 2015 Health Insurance Product Filing Requirements.

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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