Terminating Individual Policies – Carrier Guidelines and Reminders

Published: 07.14.2025

To assist you and your clients with submitting individual policy terminations, Savoy has created the following guide.

As a reminder, retroactive terminations are typically not allowed and will need to be submitted as an exception. Proof of new coverage must be submitted along with the request, and the carrier must receive them within 30 days of the requested termination date. Please note that retroactive terminations would be at the carrier’s discretion.

On-Exchange Policies:

Members looking to terminate their Marketplace plan must contact GetCoveredNJ, Pennie (PA) or HealthCare.gov directly. Termination requests must be received prior to the requested effective date.

Off-Exchange Policies:

Carrier	Process
Aetna	Members must call Member Services at 1-844-365-7373 to request termination of their plan. Brokers can also terminate the member’s plan directly from their Producer World account.
Ambetter/Centene	Members must contact the Marketplace directly to terminate their plan.
AmeriHealth (NJ)	Members can either draft a letter or email with their ID#, DOB, and termination date (must be sent prior to the requested termination date). Please email the request directly to: individualenroll@savoyassociates.com
Highmark (DE)	Members must complete the Change Form which can be downloaded here: Highmark DE Change Request Form Please fax the request directly to the carrier at: 1-877-763-5708.
Highmark (PA)	Member must complete the Change Form which can be downloaded here: Highmark PA Change Request Form Please fax the request directly to the carrier at: 1-866-224-5403.
Horizon BCBSNJ	If a member wishes to terminate their Horizon plan, the termination form can be downloaded here: Horizon NJ Individual Termination Form. Please email the completed form to: individualenroll@savoyassociates.com
IBX (PA)	Members can either draft a letter or email with their ID#, DOB, and termination date (must be sent prior to the requested termination date). Please email the request directly to: individualenroll@savoyassociates.com.
Oscar (NJ/PA)	Members can either draft a letter or email with their ID#, DOB, and termination date (must be sent prior to the requested termination date). Please email the request directly to: individualenroll@savoyassociates.com
UnitedHealthcare	Brokers can terminate coverage through their UHC Jarvis or HealthSherpa account. Members can also fax a signed letter with their termination request to 1-844-386-9286 with the following information: Date of Termination Member Name ID Number Member SSN Member DOB Gender Full Address Please note that UHC does not accept member termination requests over the phone.

Termination Due to Non-Payment of Premium and Reinstatement Requests

On-Exchange Policies:

To learn more about Marketplace policies with regards to Termination for Non-Pay, Grace Periods, and Reinstatement requests, please visit the resources linked below.

Off-Exchange Policies:

Each carrier has its own term for non-pay and reinstatement policies. Please note that carriers will make the final determination whether to reinstate the policy or not. Below are the guidelines.

Carrier	Process
Aetna	Members must call Aetna Member Services directly at 1-844-365-7373 (press 1 for enrollment and billing).
Ambetter/Centene	Members must contact the Marketplace directly to for a resolution.
AmeriHealth (NJ)	Members must call AmeriHealth directly at 1-844-937-2448 to request reinstatement and pay any premiums due in order to be paid to date.
Highmark (PA/DE)	Members must call Highmark directly at 1-800-241-5704.
Horizon BCBSNJ	Members must call Horizon directly at 1-800-355-2583.
IBX (PA)	Members must call IBX directly at 1-800-275-2583 to request reinstatement and pay any premiums due in order to be paid to date.
Oscar (NJ/PA)	Members must call Oscar directly at 1-855-672-2788.
UnitedHealthcare	Members must call UHC directly at 1-866-569-0328.

My Savoy Benefits is Ready to Help.

For any additional questions, please contact our Individual Enrollment Team.

📧 individualenroll@savoyassociates.com