Question: I’m behind on my premium payments and trying to catch up, but meanwhile I got sick and so had to make more health care claims. Does my insurance have to pay them even though?

Answer: If you are receiving advanced premium tax credits, the insurer is required to pay your claims during the first 30 days of the grace period. After that, during the second and third month of the grace period, the insurer is allowed to hold your claims and only pay them if and when you get caught up in your premium payments.