§ 15–1315
Statutes in effect as of October 1, 2026.
Md. Code Ann., Ins. § 15-1315 (2026)
Title 15. Health Insurance
Subtitle 13. Maryland Health Insurance Portability and Accountability Act -- Individual Market Reforms
§ 15–1315LinkCopy Citation
(a)
(1)
In this section the following words have the meanings indicated.
(2)
“Individual Exchange” has the meaning stated in § 31–101 of this article.
(3)
“Qualified health plan” has the meaning stated in § 31–101 of this article.
(4)
“Qualified individual” has the meaning stated in § 31–101 of this article.
(b)
This section applies to a qualified health plan that is issued on or after January 1, 2014, by a carrier through the Individual Exchange.
(c)
A qualified health plan subject to this section shall include a grace period provision applicable to a qualified individual who:
(1)
is receiving advance payments of federal premium tax credits; and
(2)
fails to pay premiums timely.
(d)
The grace period provision shall:
(1)
provide a grace period of 3 consecutive months after the initial premium payment to begin coverage has been paid;
(2)
apply to qualified health plans renewed in accordance with § 15–1309 of this subtitle without the qualified individual having to pay the first month’s premium following renewal; and
(3)
be in addition to any other grace period provision required by any other applicable State law.
(e)
During the grace period, a carrier that issues a qualified health plan subject to this section:
(1)
shall pay all appropriate claims for services rendered to the qualified individual during the first month of the grace period;
(2)
may pend claims for services rendered to the qualified individual in the second and third months of the grace period;
(3)
shall notify the federal Department of Health and Human Services that the qualified individual is in the grace period; and
(4)
shall notify providers of the possibility that claims may be denied when a qualified individual is in the second and third months of the grace period.