Can a small group term their medical or dental coverage before their renewal date? If so is there a time period in which they need to do so?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jun 15, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Denver, CO

Asked on 06/15/2010

Can a small group term their medical or dental coverage before their renewal date? If so is there a time period in which they need to do so? NULL

Answer given on June 15, 2010

In most cases, you can term a group policy any time you want.  The contract for your rates is the only thing that you are locked into for any given year.  You may have to give them a notice like 30 days, or they may be a blackout period where you can’t CHANGE plans, but as far as terming the plan there shouldn’t be any issues.  The nice thing is, since you are SMALL group, you can come back on anytime, or change carriers at any time, and they have to accept you… since small group is guarantee issue.  With the new health bill, it will level the playing field even more, but the standard rules for small group are guarantee issue.  Often times, you can change carriers, get a nearly identical plan, and get better rates because of their "new business" rates. 


Let me know if you need any further help or have any questions.


Best of luck!



IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption