# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 13. Maryland Health Insurance Portability and Accountability Act -- Individual Market Reforms

#### Section 15-1315

(a)

  (1) In this section the following words have the meanings indicated.

  (2) "Individual Exchange" has the meaning stated in Sec. 31-101 of this article.

  (3) "Qualified health plan" has the meaning stated in Sec. 31-101 of this article.

  (4) "Qualified individual" has the meaning stated in Sec. 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 Sec. 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.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)