Question

An insurer may non-renew an individual health benefit plan for all the following reasons EXCEPT:

a) Non-payment of premiums
b) Fraud or intentional misrepresentation
c) The insured develops a medical condition
d) Violation of policy terms

Answer 1

An insurer may non-renew an individual health benefit plan for all the following reasons EXCEPT violation of policy terms. Correct option is d.

Step-by-step explanation:

An insurer may non-renew an individual health benefit plan for all the following reasons EXCEPT:

1. Non-payment of premiums
2. Fraud or intentional misrepresentation
3. The insured develops a medical condition
4. Violation of policy terms

These are the typical reasons why an insurer may decide not to renew an individual health benefit plan. However, the insured developing a medical condition is not a valid reason for non-renewal. In fact, under the Affordable Care Act, insurers are prohibited from denying coverage or renewing coverage based on pre-existing conditions.