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Learn about whether or not you need to purchase health insurance after applying.
If you apply for health insurance on Policygenius, you are not obligated to buy the plan you applied for (or any plan at all). The final application step will involve a phone call with a licensed enrollment agent, who will verify your identity, double-check eligibility and answer any questions you may have. You can change your mind on that call and choose not to complete enrollment. Also, any time after enrollment, you can cancel your plan. If you cancel during the Open Enrollment period, you can switch to a new plan. However, if you cancel after Open Enrollment, you cannot switch to a new plan unless you have a special qualifying event. Be careful of cancelling after Open Enrollment, as you may incur a tax penalty for going without health insurance coverage for three or more consecutive months.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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