Can health insurance force you to pay for the grace period?

All insurance policies have a due date on which the periodic policy premium is payable. However, most also have a grace period, which is a stated number of days (often, 10) beyond the due date, during which the premium may be paid and will be accepted by the insurer without penalty.

If the premium is not paid by the time that the grace period expires, the policy will in most cases expire or be cancelled for nonpayment of premium. An exception to this result may be when, in the case of whole life insurance, there is an accumulation of cash value. In that case, the unpaid premium may be paid from the accumulated cash value so as to keep the policy in force for a further period of time.
All insurance policies have a due date on which the periodic policy premium is payable. However, most also have a grace period, which is a stated number of days (often, 10) beyond the due date, during which the premium may be paid and will be accepted by the insurer without penalty.

If the premium is not paid by the time that the grace period expires, the policy will in most cases expire or be cancelled for nonpayment of premium. An exception to this result may be when, in the case of whole life insurance, there is an accumulation of cash value. In that case, the unpaid premium may be paid from the accumulated cash value so as to keep the policy in force for a further period of time.