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What is the grace period if I miss a monthly premium payment?
Rules surrounding late premium payments and policy cancellations.
If you receive an Advance Premium Tax Credit (APTC), federal law guarantees a generous 90-day grace period to pay your past-due premiums before your plan can be terminated.
If you do not receive a marketplace subsidy, your grace period is significantly shorter (typically 30 days depending on state laws). It is vital to pay your balance promptly to avoid a lapse in your health protection.