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Home > Law Advice > Insurers Bad Faith > Blue Cross Shield Cancels Individual Policies
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Blue Cross and Blue Shield Policy Cancellation Practices Disproportionately Targets Individual/Independent Policies

Recent lawsuits filed in California have accused Blue Cross and Blue Shield of violating laws that prohibit the cancellation of health insurance policies on grounds other than willful misrepresentation on the part of the person applying for insurance. See Blue Cross of California Cancels Individual Health Policies: Post-Claim Underwriting Alleged. These cancellation practices affect only the self-employed or those who don’t have medical benefits as part of their employment. This is because California law requires the insurance companies to insure any employee under an employer’s policy, but allows insurance companies to reject people who apply for coverage as individuals or part of a family group.

More than 2 million Californians now purchase their own insurance policies and many more have no medical coverage through employment. As medical insurance costs rise, more employers are dropping medical coverage, making policy cancellation practices important to an increasing number of California residents.

Blue Cross of California wrongfully cancel your individual policy? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights. [Sponsored Link]

California has a Major Risk Medical Insurance Program (MRMIP) that is supposed to provide temporary medical coverage for people who can’t get insurance directly from private companies. Within the 36 months that they are covered by MRMIP the people insured are guaranteed coverage from a private company at a cost of just 10% more than the MRMIP premiums. Unfortunately, the program has a long waiting list, leaving many Californians uninsured and often unable to afford medical care during the wait.

State regulators are now considering taking action against Blue Cross for canceling policies without showing willful misrepresentation. See California Regulators Slow to Enforce Insurance Laws Against Blue Cross for more information.

If you are a Blue Cross or Blue Shield policyholder and believe your policy was unfairly cancelled, see Blue Cross Lawsuits: Have You Been Victimized by Post-Claim Underwriting?.

Blue Cross of California wrongfully cancel your individual policy? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights. [Sponsored Link]


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Blue Cross and Blue Shield Policy Cancellation Practices Disproportionately Targets Individual/Independent Policies

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Related Information
» General Insurance Bad Faith Questions
» Insurance Bad Faith Articles
» Blue Cross of California Post Policy Cancellation
» Blue Cross Class Action
» En español - Cancelación posterior a la emisión de la póliza de Blue Cross of California
» Damages
» Duty and responsibility
» Damages over coverage limit
» Filing an Insurance Complaint
» Health Insurance Cancellation
» Insurance Claim Investigation
» En español - Cancelación de seguro de salud
» Top 10 Worst Insurance Companies
» Legal action
» Procedure
» Settlements of insurers bad faith
» Types of claims
» Time limits
» Kaiser Permanente Post Policy Cancellation Lawsuit
» Post Claim Underwriting

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» Insurance Law
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