State RegulationsOH specificDifficulty 2/5
An insurer in Akron has decided to stop renewing an individual sickness and accident policy when the current premium period ends. Under Ohio law, what notice must it give the insured?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.04(C) requires the insurer to deliver or mail written notice of its intent not to renew an individual accident and sickness policy not less than 5 days prior to the premium due date. Ohio's notice window for A&H nonrenewal is short — 5 days, not 30.
Why the other options are wrong
- A) Wrong because 30 days is not the Ohio A&H nonrenewal standard; ORC 3923.04(C) requires only 5 days before the premium due date.
- B) Wrong because 60 days far exceeds the statutory minimum and is not the required notice period for A&H nonrenewal.
- C) Wrong because ORC 3923.04(C) ties the notice to the premium due date, not to the policy anniversary.
Memory hook
Ohio's A&H nonrenewal heads-up: just 5 days before the due date.