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Renewing & Changing Rates for Individual Arizona Health Insurance Policies

Renewal Provisions and Changing of Premium Rates

The renewal provision defines how the policy can be renewed as well as the insurance company's right to revise the policy and the premium rates. This provision can affect the cost of a policy. Here are the basic renewal provisions:

Noncancelable

Under this policy, the insurance company cannot change, cancel or refuse to renew the policy as long as premiums are paid on time. The premium rates cannot be changed, but can provide for scheduled rate increases as you age.

Guaranteed Renewable

This policy permits a renewal until a specified age.

Conditionally Renewable

This type of policy allows you to renew until a specified age, subject to the insurance company's right to decline renewal under conditions specified in the contract.

Term or Nonrenewable

These policies cannot be renewed, and are often purchased to provide coverage for a short period of time.