US Code

Public Law 119-102 (07/12/2026)

42 U.S.C. § 300gg–12

Prohibition on rescissions

Section text and notes

1

1 See References in Text note below.
A group health plan and a health insurance issuer offering group or individual health insurance coverage shall not rescind such plan or coverage with respect to an enrollee once the enrollee is covered under such plan or coverage involved, except that this section shall not apply to a covered individual who has performed an act or practice that constitutes fraud or makes an intentional misrepresentation of material fact as prohibited by the terms of the plan or coverage. Such plan or coverage may not be cancelled except with prior notice to the enrollee, and only as permitted under section 300gg–2(b)  or 300gg–42(b) of this title.

July 1, 1944, ch. 373 Pub. L. 111–148, title I, § 1001(5)124 Stat. 131 (, title XXVII, § 2712, as added , , .)

Editorial Notes

References in Text

Section 300gg–2(b) of this titlesection 300gg–1 of this title, referred to in text, was in the original a reference to section “2702(c)” of act , which was translated as meaning section 2703(b) of act , to reflect the probable intent of Congress. Section 2702(c), which is classified to , relates to special rules for network plans, while section 2703(b) specifies the reasons for which a health insurance issuer may nonrenew or discontinue health insurance coverage offered in connection with a health insurance coverage offering in the group or individual market. Section 300gg–2(b) also parallels section 300gg–42(b) which appears in the same context in this section as the reference to section 300gg–2(b).

Prior Provisions

act July 1, 1944, ch. 373, title XXVII, § 2712 Pub. L. 104–191, title I, § 102(a)110 Stat. 1964 section 300gg–2 of this titlePub. L. 111–148, title I124 Stat. 130 A prior section 300gg–12, , as added , , , which related to guaranteed renewability of coverage for employers in a group market, was renumbered section 2732 of act , amended, and transferred to subsecs. (b) to (e) of , by , §§ 1001(3), 1563(c)(9), formerly § 1562(c)(9), title X, § 10107(b)(1), , , 267, 911.

section 238k of this titleAnother prior section 2712 of act , was successively renumbered by subsequent acts and transferred, see .

Statutory Notes and Related Subsidiaries

Effective Date

section 1004 of Pub. L. 111–148section 300gg–11 of this titleSection effective for plan years beginning on or after the date that is 6 months after , see , set out as a note under .