A carrier may only terminate an individual’s coverage in a QHP before receiving an instruction from the Exchange to terminate coverage: If the enrollee requests termination of the enrollee’s enrollment to the carrier, and the termination follows the procedures in Regulation .04 of this chapter; If the enrollee’s coverage is rescinded under 45 CFR §147.128; If the carrier is decertified by the Exchange under COMAR 14.35.16.11; If the carrier ceases to offer the QHP that an enrollee is enrolled in through the Exchange under 45 CFR §147.106(b)(4) and the carrier follows the requirements under 45 CFR §147.106(c); If the carrier ceases to offer any QHPs through the Exchange under 45 CFR §147.106(b)(4) and the carrier follows the requirements under 45 CFR §147.106(d); If the enrollee has performed an act or practice that constitutes fraud or intentional misrepresentation of material fact in connection with the coverage under 45 CFR §147.106(b)(2); or For nonpayment of premiums as specified in §B of this regulation. Termination for Nonpayment. A carrier may terminate coverage for nonpayment of premium if the enrollee has not made applicable premium payments and at the time the enrollee first fails to pay premiums: The enrollee is receiving APTC, and the 3-month grace period under Insurance Article, §15-1315(c)—(e), Annotated Code of Maryland, has been exhausted; or The enrollee is not receiving APTC and all other applicable grace periods under State law have been exhausted. A carrier may not terminate coverage for failure to make a premium payment if: Through a renewal of the plan under 45 CFR §155.335, the enrollee maintains coverage in the same QHP or same product that is a uniform modification of coverage under Insurance Article, §15-1309(a)(4), Annotated Code of Maryland; and The applicable grace period has not been exhausted under: Insurance Article, §15-1315(c)—(e), Annotated Code of Maryland; or Another applicable grace period under State law if the enrollee is not receiving APTC. The last day of coverage is: The last day of the first month of the 3-month grace period when terminating an individual after exhaustion of the 3-month grace period for individuals receiving APTC; and 31 days after the missed premium payment was due when terminating an individual after the exhaustion of any other applicable grace period. Notice of Non-Payment of Premiums. If an enrollee is delinquent on premium payment, the carrier shall provide the enrollee with notice of such payment delinquency. A carrier shall provide such notices promptly and without undue delay, within 10 business days of the date the issuer should have discovered the delinquency.