Under Pennsylvania law, you have a 10-Day Free Look Period in which you are able to retroactively terminate coverage that has started within the last 10 days. You will be refunded any premiums you may have paid. Contact Pennie to terminate coverage AND follow the instructions in the policy to end coverage with the insurer. Remember the free look period is only TEN days.
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.
What is a 10-Day Free Look Period?