CoveredCa: Require to Pay Monthly Premium If Canceling Plan Early?

I recently got approved to be on Anthem Blue Cross Silver 70's health plan from CoveredCA that started coverage 12/1/24 – 12/31/24. At the time of application, I was unemployed recently but my wife was employed, so we only put her income since I assumed I didn't need to. We got an affordable rate, but then I soon realized I also had to include whatever income I made for the year before I was unemployed. Once I updated my income, the premium for December shot up by hundreds of dollars, and it's something we can't really afford.

This updated premium didn't occur until December had already started, so I called CoveredCA to ask about canceling the plan, and was told that since coverage has already started, I was told that the plan can be cancelled, but coverage won't end until 12/31/24, and that I may still be liable for the premium. I was also told that if I didn't make the premium payment, it would be registered as a non-payment and I may be sent to collections.

It is currently 12/6 as of this post and I see on my online account that I have the option to cancel the plan, even though coverage won't end until 12/31. Does anyone know if canceling the plan early will result in canceling the premium since I haven't paid yet? Or will I be charged up until the day I canceled?

CoveredCA and Anthem agents seem to have no idea how canceling early will affect the premium owe and refund associated with it.

submitted by /u/6thDAY
[comments]