Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • It can be more complicated than you might think to check whether or not your health insurance plan is active
  • You should start by checking your policy documents and calling your insurer
  • If you don’t have health insurance, compare quotes online and get a policy activated today

It can be easier said than done to check whether a health insurance policy is still active or not. It is not unheard of for somebody to believe their health insurance plan is active until they receive medical care and go to pay for the care. At this point, the provider may tell them their health insurance plan is not active and is not covering the care. This could also happen when getting prescriptions from a pharmacy.

If you let this happen to you, the out-of-pocket costs may be considerable. To avoid this, utilize the methods listed in this article to ensure that you know for a fact that your health insurance plan is active. This will not only save you from potential future costs, it will help you have a greater amount of peace of mind.

Enter your zip code above to compare free health insurance quotes and find coverage fast!

Check Your Policy Documents


Usually, the first resort for people who wish to check whether their health insurance plan is active her or not is to check their policy documents. These are the documents that you got when you started your health insurance plan. The date that the plan ends should be listed prominently on the documents.

Some people do not want to check their policy documents because of the volume of documents they receive from their insurer, but rest assured that the end of the policy date is usually very easy to find.

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Go On Your Health Insurer’s Website

These days, nearly all health insurers have a website that their policyholders can log into. These websites usually offer a great deal of information, including the policy’s dates of coverage. Some people may find this option easier than checking their hard copy documents.

If you are already familiar with your insurance website and you already have an account there, it may actually be quicker to check whether your policy is active or not on the website.

Also, you should keep in mind that the website is updated regularly with you most recent information, and the policy documents are only guaranteed to be correct as of the date they are mailed out to you.

Call Your Insurer


If these first two methods do not work for you, it may be time to call your insurer. Your health insurance card has a number that you can call whenever you have a question about your policy. Be prepared to go through an automated system to reach a real live person, and then to have to wait on hold.

Health insurance customer service lines are known for making people wait on hold for half an hour or more. Keep in mind that this wait is totally worth it, because the knowledge of whether your health insurance policy is active or not is absolutely vital.

Ask a Health Care Provider to Check


If you can help it, you should not get health care when you are unsure whether your policy is active or not. However, if you have already received healthcare and want to know whether your policy is active or not, you could ask your healthcare provider to check. They have access to contact information for your insurance that you do not, and they may be able to get more up-to-date information.

A health care provider is most likely to be willing to do this if you have a long-established relationship with them, such as you are regular general practitioner doctor.

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Ask a Pharmacist to Check


If you have a recurring prescription at a pharmacy, you can ask the pharmacist to check whether your healthcare is active or not. They have the same contact info as health care providers, which you did not have access to. As with healthcare providers, they might be able to get more up-to-date information than you can yourself.

If you have been going to a pharmacy for a while and you know the pharmacist, they may be willing to help you out if you’re in this situation. Keep in mind they want to make sure you can pay for your prescriptions just like you want to make sure your health insurance coverage is still active.

Look Closely at Communications You’ve Received From Your Insurer


You would think the communications you receive from your insurer would be clear as to whether or not to health insurance policy is active. However, sometimes an insurer does not give their policyholder clear notice when their policy is no longer active.

Some people think that communications from health insurance would stop if the policy is no longer active, but often insurers do not remove former policyholders from their mailing list.

You should look at all of the communications you’ve received from your insurer, whether they are mail or email, and read them carefully to see if you can learn any more information about whether health insurance policy is active or not.

Take a Look At Your Financial Records to Ensure That You’ve Paid Your Premiums


Probably the most common reason for a policy not being activee, besides the policy ending, is non-payment of premiums. You may be under the mistaken impression that you paid your plans when you actually have not.

Look at your financial records to ensure that you have been paying your premiums. Sometimes people think they have set up an auto payment plan, but they have not and their premiums are going unpaid. Check your financial records carefully to make sure this is not happening to you.

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Final Thoughts

It is absolutely vital that you know whether or not your health insurance policy is active. It may seem like a pain to go through all these steps to ensure that the policy is active, but it is worth it in the end. Knowing that your policy is active help you have peace of mind, and it’ll help you ensure that you are minimizing what you have to pay out-of-pocket for your health care.

Enter your zip code below and compare free online quotes today! Health insurance from the right company is only a few clicks away!