Understanding grace periods

What you need to know if your premium payment is late. 

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Sometimes payments are late. If you find yourself in this situation, we will give you some time to catch up on payments, also known as a grace period. Here is what you should know about grace periods and suspension for individual and family plans:


  • You are given a 30-day grace period, starting the first day of the month that your payment is past due. This is the law in California.
  • You can access your health coverage during the 30-day grace period. If you have a plan with Covered California and receive a subsidy through the Advanced Premium Tax Credit (APTC), you get the 30-day grace period plus another 60 days to pay your overdue premiums.
  • You are still responsible to pay all unpaid premiums as well as any copayments, coinsurance or deductible amounts required under your health plan.
    • If you do not pay within 30 days on a subsidized individual and family plan, we will suspend your health plan. After an additional 60 days, your plan will be terminated.
    • If you are on an individual and family plan that is not subsidized by Covered California, and you do not pay within 30 days, your plan will be terminated. 
  • We cannot cover doctor visits or any accessed care when your health plan is suspended. If the overdue amount is not paid in full by the end of the 30-day grace period or 90-day grace period for those who receive Covered CA subsidies, your health coverage with Sharp Health Plan will end.
  • You can prevent interruption of your health coverage. Pay all outstanding balances by the last day of your grace period to avoid suspension, which starts at 12:01 a.m. of the following month. For example, if your grace period ends in June, then you must pay in full by June 30 to reinstate your coverage starting July 1.


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