{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3514.2.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3514.2.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3514.2.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3514.2.html"}],"law_id":74263,"edition_id":1,"section_id":74263,"structure_id":13349,"section_number":"38.2-3514.2","catch_line":"Renewability of coverage","history":"1996, c. 550; 1998, c. 24.","full_text":"A\n\nEvery individual policy, subscription contract or plan delivered, issued for delivery or renewal in this Commonwealth providing benefits to or on behalf of an individual shall provide for the renewability of such coverage at the sole option of the insured, policyholder, subscriber, or enrollee. The insurer, health services plan or health maintenance organization issuing such policy, subscription contract or plan shall be permitted to refuse to renew the policy, subscription contract or plan only for one or more of the following reasons:1\n\nNonpayment of the required premiums by the insured, policyholder, subscriber, or enrollee, or such individual’s representative;2\n\nIn the event that the policy, subscription contract or plan contains a provision requiring the use of network providers, a documented pattern of abuse or misuse of such provision by the insured, policyholder, subscriber, or enrollee, continuing for a period of no less than two years;3\n\nSubject to the time limits contained in subdivision 2 of § 38.2-3503 or in regulations adopted by the Commission governing the practices of health maintenance organizations, for fraud or material misrepresentation by the individual, with respect to his application for coverage;4\n\nEligibility of an individual insured for Medicare, provided that such coverage may not terminate with respect to other individuals insured under the same policy, subscription contract or plan and who are not eligible for Medicare; and5\n\nThe insured, subscriber, or enrollee has not maintained a legal residence in the service area of the insurer, health services plan or health maintenance organization for a period of at least six months.B\n\nThis section shall not apply to the following insurance policies, subscription contracts or plans:1\n\nShort-term travel;2\n\nAccident-only;3\n\nDisability income;4\n\nLimited or specified disease contracts;5\n\nLong-term care insurance;6\n\nShort-term nonrenewable policies or contracts of not more than six months’ duration which are subject to no medical underwriting or minimal underwriting; and7\n\nIndividual health insurance coverage as defined in subsection B of § 38.2-3431.","order_by":null,"text":{"0":{"id":266982,"text":"Every individual policy, subscription contract or plan delivered, issued for delivery or renewal in this Commonwealth providing benefits to or on behalf of an individual shall provide for the renewability of such coverage at the sole option of the insured, policyholder, subscriber, or enrollee. The insurer, health services plan or health maintenance organization issuing such policy, subscription contract or plan shall be permitted to refuse to renew the policy, subscription contract or plan only for one or more of the following reasons:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":266983,"text":"Nonpayment of the required premiums by the insured, policyholder, subscriber, or enrollee, or such individual’s representative;","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":266984,"text":"In the event that the policy, subscription contract or plan contains a provision requiring the use of network providers, a documented pattern of abuse or misuse of such provision by the insured, policyholder, subscriber, or enrollee, continuing for a period of no less than two years;","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":266985,"text":"Subject to the time limits contained in subdivision 2 of § 38.2-3503 or in regulations adopted by the Commission governing the practices of health maintenance organizations, for fraud or material misrepresentation by the individual, with respect to his application for coverage;","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"A4"},"4":{"id":266986,"text":"Eligibility of an individual insured for Medicare, provided that such coverage may not terminate with respect to other individuals insured under the same policy, subscription contract or plan and who are not eligible for Medicare; and","type":"section","prefixes":["A","4"],"prefix":"4","entire_prefix":"A4","prefix_anchor":"A4","level":2,"prior_prefix":"A3","next_prefix":"A5"},"5":{"id":266987,"text":"The insured, subscriber, or enrollee has not maintained a legal residence in the service area of the insurer, health services plan or health maintenance organization for a period of at least six months.","type":"section","prefixes":["A","5"],"prefix":"5","entire_prefix":"A5","prefix_anchor":"A5","level":2,"prior_prefix":"A4","next_prefix":"B"},"6":{"id":266988,"text":"This section shall not apply to the following insurance policies, subscription contracts or plans:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A5","next_prefix":"B1"},"7":{"id":266989,"text":"Short-term travel;","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"8":{"id":266990,"text":"Accident-only;","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"B3"},"9":{"id":266991,"text":"Disability income;","type":"section","prefixes":["B","3"],"prefix":"3","entire_prefix":"B3","prefix_anchor":"B3","level":2,"prior_prefix":"B2","next_prefix":"B4"},"10":{"id":266992,"text":"Limited or specified disease contracts;","type":"section","prefixes":["B","4"],"prefix":"4","entire_prefix":"B4","prefix_anchor":"B4","level":2,"prior_prefix":"B3","next_prefix":"B5"},"11":{"id":266993,"text":"Long-term care insurance;","type":"section","prefixes":["B","5"],"prefix":"5","entire_prefix":"B5","prefix_anchor":"B5","level":2,"prior_prefix":"B4","next_prefix":"B6"},"12":{"id":266994,"text":"Short-term nonrenewable policies or contracts of not more than six months’ duration which are subject to no medical underwriting or minimal underwriting; and","type":"section","prefixes":["B","6"],"prefix":"6","entire_prefix":"B6","prefix_anchor":"B6","level":2,"prior_prefix":"B5","next_prefix":"B7"},"13":{"id":266995,"text":"Individual health insurance coverage as defined in subsection B of § 38.2-3431.","type":"section","prefixes":["B","7"],"prefix":"7","entire_prefix":"B7","prefix_anchor":"B7","level":2,"prior_prefix":"B6"}},"ancestry":[{"id":13349,"edition_id":1,"name":"Individual Accident and Sickness Insurance Policies","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":13348,"metadata":{},"date_created":"2026-06-26 03:44:41","date_modified":"2026-06-26 03:44:41","permalink":{"id":215643,"object_type":"structure","relational_id":13349,"identifier":"1","token":"38.2\/35\/1","url":"\/38.2\/35\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13348,"edition_id":1,"name":"Accident and Sickness Insurance Policies","identifier":"35","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:41","date_modified":"2026-06-26 03:44:41","permalink":{"id":215641,"object_type":"structure","relational_id":13348,"identifier":"35","token":"38.2\/35","url":"\/38.2\/35\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81706,"structure_id":13349,"section_number":"38.2-3500","catch_line":"Form of policy","url":"\/38.2-3500\/","token":"38.2\/35\/1\/38.2-3500","metadata":false},{"id":54330,"structure_id":13349,"section_number":"38.2-3501","catch_line":"Policy forms; powers of Commission","url":"\/38.2-3501\/","token":"38.2\/35\/1\/38.2-3501","metadata":false},{"id":56141,"structure_id":13349,"section_number":"38.2-3502","catch_line":"Notice to be printed on policy; return of policy to insurer","url":"\/38.2-3502\/","token":"38.2\/35\/1\/38.2-3502","metadata":false},{"id":67765,"structure_id":13349,"section_number":"38.2-3503","catch_line":"Required accident and sickness policy provisions","url":"\/38.2-3503\/","token":"38.2\/35\/1\/38.2-3503","metadata":false},{"id":83509,"structure_id":13349,"section_number":"38.2-3504","catch_line":"Other provisions","url":"\/38.2-3504\/","token":"38.2\/35\/1\/38.2-3504","metadata":false},{"id":87251,"structure_id":13349,"section_number":"38.2-3505","catch_line":"Inapplicable or inconsistent provisions","url":"\/38.2-3505\/","token":"38.2\/35\/1\/38.2-3505","metadata":false},{"id":72012,"structure_id":13349,"section_number":"38.2-3506","catch_line":"Order of certain policy provisions","url":"\/38.2-3506\/","token":"38.2\/35\/1\/38.2-3506","metadata":false},{"id":62115,"structure_id":13349,"section_number":"38.2-3507","catch_line":"Third-party ownership","url":"\/38.2-3507\/","token":"38.2\/35\/1\/38.2-3507","metadata":false},{"id":67338,"structure_id":13349,"section_number":"38.2-3508","catch_line":"Requirements of other jurisdictions","url":"\/38.2-3508\/","token":"38.2\/35\/1\/38.2-3508","metadata":false},{"id":71696,"structure_id":13349,"section_number":"38.2-3509","catch_line":"Denial or reduction of benefits because of existence of other like insurance","url":"\/38.2-3509\/","token":"38.2\/35\/1\/38.2-3509","metadata":false},{"id":65637,"structure_id":13349,"section_number":"38.2-3510","catch_line":"Conforming to statute","url":"\/38.2-3510\/","token":"38.2\/35\/1\/38.2-3510","metadata":false},{"id":77787,"structure_id":13349,"section_number":"38.2-3511","catch_line":"Application","url":"\/38.2-3511\/","token":"38.2\/35\/1\/38.2-3511","metadata":false},{"id":78397,"structure_id":13349,"section_number":"38.2-3512","catch_line":"Notice; waiver","url":"\/38.2-3512\/","token":"38.2\/35\/1\/38.2-3512","metadata":false},{"id":65509,"structure_id":13349,"section_number":"38.2-3513","catch_line":"Age limit","url":"\/38.2-3513\/","token":"38.2\/35\/1\/38.2-3513","metadata":false},{"id":72827,"structure_id":13349,"section_number":"38.2-3514","catch_line":"When liability not to be denied because of preexisting disease, physical impairment or defect","url":"\/38.2-3514\/","token":"38.2\/35\/1\/38.2-3514","metadata":false},{"id":77154,"structure_id":13349,"section_number":"38.2-3514.1","catch_line":"Preexisting conditions provisions","url":"\/38.2-3514.1\/","token":"38.2\/35\/1\/38.2-3514.1","metadata":false},{"id":74263,"structure_id":13349,"section_number":"38.2-3514.2","catch_line":"Renewability of coverage","url":"\/38.2-3514.2\/","token":"38.2\/35\/1\/38.2-3514.2","metadata":false},{"id":71909,"structure_id":13349,"section_number":"38.2-3515","catch_line":"Repealed","url":"\/38.2-3515\/","token":"38.2\/35\/1\/38.2-3515","metadata":false}],"previous_section":{"id":77154,"structure_id":13349,"section_number":"38.2-3514.1","catch_line":"Preexisting conditions provisions","url":"\/38.2-3514.1\/","token":"38.2\/35\/1\/38.2-3514.1","metadata":false},"next_section":{"id":71909,"structure_id":13349,"section_number":"38.2-3515","catch_line":"Repealed","url":"\/38.2-3515\/","token":"38.2\/35\/1\/38.2-3515","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3514.2\/","history_text":"

This law was first created in 1996. The record of its establishment is cataloged in chapter 550<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 1998, chapter 24<\/a>.<\/p>","references":[{"id":57407,"section_number":"38.2-3407.21","catch_line":"Short-term limited-duration medical plans","order_by":null,"url":"\/38.2-3407.21\/"},{"id":55347,"section_number":"38.2-4214","catch_line":"Application of certain provisions of law","order_by":null,"url":"\/38.2-4214\/"},{"id":67952,"section_number":"38.2-4319","catch_line":"Statutory construction and relationship to other laws","order_by":null,"url":"\/38.2-4319\/"}],"refers_to":[{"id":86404,"section_number":"38.2-3431","catch_line":"Application of article; definitions","order_by":null,"url":"\/38.2-3431\/"},{"id":67765,"section_number":"38.2-3503","catch_line":"Required accident and sickness policy provisions","order_by":null,"url":"\/38.2-3503\/"}],"permalink":{"id":215709,"object_type":"law","relational_id":74263,"identifier":"38.2-3514.2","token":"38.2\/35\/1\/38.2-3514.2","url":"\/38.2-3514.2\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3514.2\/","token":"38.2\/35\/1\/38.2-3514.2","dublin_core":{"Title":"Renewability of coverage","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3514.2","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Every individual policy, subscription contract<\/span> or plan delivered, issued for delivery or renewal in this Commonwealth providing benefits to or on behalf of an individual shall provide for the renewability of such coverage at the sole option of the insured, policyholder, subscriber, or enrollee. The insurer<\/span>, health services plan<\/span> or health maintenance organization issuing such policy, subscription contract<\/span> or plan shall be permitted to refuse to renew the policy, subscription contract<\/span> or plan only for one or more of the following reasons: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Nonpayment of the required premiums by the insured, policyholder, subscriber, or enrollee, or such individual’s representative; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> In the event that the policy, subscription contract<\/span> or plan contains a provision requiring the use of network providers, a documented pattern of abuse or misuse of such provision by the insured, policyholder, subscriber, or enrollee, continuing for a period of no less than two years; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Subject to the time limits contained in subdivision 2 of § 38.2-3503<\/a> or in regulations adopted by the Commission<\/span> governing the practices of health maintenance organizations, for fraud<\/span> or material<\/span> misrepresentation by the individual, with respect to his application for coverage; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> Eligibility of an individual insured for Medicare<\/span>, provided that such coverage may not terminate with respect to other individuals insured under the same policy, subscription contract<\/span> or plan and who are not eligible for Medicare<\/span>; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> The insured, subscriber, or enrollee has not maintained a legal residence in the service area of the insurer<\/span>, health services plan<\/span> or health maintenance organization for a period of at least six months. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> This section shall not apply to the following insurance policies<\/span>, subscription contracts<\/span> or plans: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Short-term travel; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Accident-only; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Disability income; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> Limited or specified disease contracts<\/span>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Long-term care insurance; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> Short-term nonrenewable policies or contracts<\/span> of not more than six months’ duration which are subject to no medical underwriting or minimal underwriting; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

7.<\/span> Individual health insurance coverage as defined in subsection B of § 38.2-3431<\/a>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nRENEWABILITY OF COVERAGE (\u00a7 38.2-3514.2)\n\nA. Every individual policy, subscription contract or plan delivered, issued for\ndelivery or renewal in this Commonwealth providing benefits to or on behalf of\nan individual shall provide for the renewability of such coverage at the sole\noption of the insured, policyholder, subscriber, or enrollee. The insurer,\nhealth services plan or health maintenance organization issuing such policy,\nsubscription contract or plan shall be permitted to refuse to renew the policy,\nsubscription contract or plan only for one or more of the following reasons:\n\n 1. Nonpayment of the required premiums by the insured, policyholder,\n subscriber, or enrollee, or such individual’s representative;\n\n 2. In the event that the policy, subscription contract or plan contains a\n provision requiring the use of network providers, a documented pattern of\n abuse or misuse of such provision by the insured, policyholder, subscriber, or\n enrollee, continuing for a period of no less than two years;\n\n 3. Subject to the time limits contained in subdivision 2 of § 38.2-3503\n or in regulations adopted by the Commission governing the practices of health\n maintenance organizations, for fraud or material misrepresentation by the\n individual, with respect to his application for coverage;\n\n 4. Eligibility of an individual insured for Medicare, provided that such\n coverage may not terminate with respect to other individuals insured under the\n same policy, subscription contract or plan and who are not eligible for\n Medicare; and\n\n 5. The insured, subscriber, or enrollee has not maintained a legal residence\n in the service area of the insurer, health services plan or health maintenance\n organization for a period of at least six months.\n\nB. This section shall not apply to the following insurance policies,\nsubscription contracts or plans:\n\n 1. Short-term travel;\n\n 2. Accident-only;\n\n 3. Disability income;\n\n 4. Limited or specified disease contracts;\n\n 5. Long-term care insurance;\n\n 6. Short-term nonrenewable policies or contracts of not more than six\n months’ duration which are subject to no medical underwriting or minimal\n underwriting; and\n\n 7. Individual health insurance coverage as defined in subsection B of §\n 38.2-3431.\n\nHISTORY: 1996, c. 550; 1998, c. 24.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}