§ 4020. Age limits

(a) If a health insurance plan contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the plan will not be effective, and if that date falls within a period for which the health insurer has accepted a premium or if the health insurer accepts a premium after that date, the coverage provided by the plan shall continue in force subject to any right of cancellation until the end of the period for which a premium has been accepted.

(b) Notwithstanding any provision of subsection (a) of this section to the contrary, if the age of the covered individual has been misstated and if, according to the correct age of the covered individual, the coverage provided by the policy would not have become effective or would have ceased prior to the health insurer's acceptance of the premium or premiums, then the health insurer's liability shall be limited to the refund, upon request, of all premiums paid for the period not covered by the plan. (Recodified and amended 2025, No. 11, § 2, eff. September 1, 2025.)