If I already have a health plan, am I required to tell a new health insurance provider?

If you already have a health plan and are applying for a new health insurance policy, you are not necessarily required to inform the new insurer that you already have coverage. However, it's important to understand that having duplicate health insurance policies can be unnecessary and may result in you paying more money than necessary. When you apply for a new health insurance policy, you will likely be asked if you have any other health coverage. It's important to answer this question honestly and accurately, as providing false information can result in your new policy being cancelled. If you do have other health coverage, it's up to you to decide whether you want to keep both policies or cancel one. If you decide to keep both policies, it's important to understand how coordination of benefits works. Coordination of benefits is the process used by insurers to determine which policy is primary (pays benefits first) and which is secondary (pays benefits second). If you don't tell your new health insurance provider that you already have coverage, and they find out later, they may refuse to pay for any claims you make, as they will consider the coverage to be a duplicate. This could result in significant out-of-pocket expenses for you. In summary, while you are not necessarily required to tell a new health insurance provider that you already have coverage, it's important to be honest and accurate in your application. If you do have other coverage, you should understand how coordination of benefits works and make an informed decision about whether to keep both policies or cancel one.