If your plan has not yet taken effect, you can cancel it immediately and you won't be charged.
If your plan has taken effect, you can still cancel your policy within the 10-Day Free Look Period without penalty and any premiums paid will be refunded.
If your coverage has already started and you are past the 10-Day Free Look Period even by one day, you can prospectively terminate your coverage at the end of the month, the end of the month following your termination request, or the end of the month after that. You will need to pay your premium through the end of the month in which you terminate coverage.
How to cancel your Pennie plan:
- Log into your Pennie account and click My Enrollments in the left-hand navigation.
- Scroll down to the appropriate plan and click Cancel Coverage. Follow the next steps to continue with the process of canceling your coverage.
- Refer to the policy documents provided to you by your insurer to end coverage with the insurer.
NOTE: Pennie does not issue premium refunds. You will need to reach out to your insurer regarding any premium refunds owed to you when canceling within the 10-Day Free Look Period.
Under the following circumstances, an enrollee can retroactively terminate coverage if they can demonstrate:
- A technical error or system failure prevented them from disenrolling.
- His or her enrollment was unintentional, inadvertent, or erroneous and was the result of the error or misconduct by Pennie staff.
- He or she was enrolled in a QHP without his or her knowledge or consent by any third party.
In the above cases, the enrollee must request disenrollment within 60 days of discovering the error.
- They became newly eligible for Medicaid/CHIP.
- Authorized representatives can report the death of the enrollee, and the termination date is the date of the death.