1. A. An enrollee may terminate the enrollee’s coverage in a QHP at any time within a month for a termination effective at the end of the month.

2. B. An enrollee may request a termination of the enrollee’s coverage in a QHP by providing notice to the Exchange or the enrollee’s QHP carrier as follows:

   1. (1) Enrollees seeking to terminate coverage for an enrollee or enrollees on a QHP shall provide notice to the Exchange; and
   2. (2) Enrollees seeking to terminate coverage for the enrollee’s household may notify either the Exchange or the QHP carrier.
3. C. Date of Terminations. If the enrollee provides notice to the Exchange or the carrier on any day within the month, the date of termination is the end of the month.
4. D. If an enrollee terminates coverage in one QHP because the enrollee elects enrollment in a different QHP, coverage in the original qualified health plan ends at midnight the day before the effective date of coverage in the enrollee’s new QHP.

5. E. Death.

   1. (1) In the case of a termination due to death, the last day of enrollment in a QHP through the Exchange is the date of death.
   2. (2) Any applicable premium refund, or premium due, shall be processed by the deceased enrollee's QHP in accordance with State law.

   3. (3) Notice of the enrollee’s death may be provided to the Exchange or the deceased enrollee’s QHP by:

      1. (a) The policyholder under COMAR 31.10.01.02B(7), or subscriber under COMAR 31.12.02.02B(11), of the deceased enrollee’s QHP;
      2. (b) An enrollee who is 18 years or older and enrolled in the same QHP policy of the deceased enrollee; or
      3. (c) The authorized representative of an enrollee under COMAR 14.35.11.14.

6. F. Retroactive Terminations.

   1. (1) An enrollee may retroactively terminate or cancel the enrollee's coverage or enrollment in a QHP when the enrollee:

      1. (a) Demonstrates to the Exchange that the enrollee enrolled in Medicare Part A or B coverage with a retroactive effective date; and
      2. (b) Requests retroactive termination of QHP coverage within 60 days of the enrollment.
   2. (2) The effective date of the retroactive termination must be no earlier than the later of the day before the first day of coverage under Medicare Part A or B, and the day that is 6 months before the retroactive termination in QHP coverage is requested.
   3. (3) A retroactive termination date as described in this section is not available for enrollments in stand-alone dental plans.

Authority: Insurance Article, §§31-106(c)(1)(iv) and 31-108(b)(1) and (6), Annotated Code of Maryland

Effective date: June 8, 2015 (42:11 Md. R. 726)

Regulations .01—.07 repealed and new Regulations .01—.10 adopted effective March 11, 2019 (46:5 Md. R. 308)

Regulation .04F adopted effective February 17, 2025 (52:3 Md. R. 160)

Regulation .06F adopted effective February 19, 2024 (51:3 Md. R.154)

Regulation .07C adopted effective February 19, 2024 (51:3 Md. R.154)