# W. Va. Code § 33-15-2D: Exceptions to guaranteed renewability

> West Virginia · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2D

## Section

- **Citation:** W. Va. Code § 33-15-2D
- **Heading:** Exceptions to guaranteed renewability
- **Jurisdiction:** West Virginia
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** WV Code / Chapter 33 / Article 15 / Section 2D

## Text

(a) An insurer may nonrenew or discontinue accident and sickness insurance coverage of an individual in the individual market based only on one or more of the following:

(1) The individual has failed to pay premiums or contributions in accordance with the terms of the policy or the insurer has not received timely premium payments;

(2) The individual has performed an act or practice that constitutes fraud or made an intentional misrepresentation of material fact under the terms of coverage;

(3) The insurer is ceasing to offer coverage in accordance with the provisions of section two-e of this article;

(4) In the case of an insurer that offers coverage through a network plan, the individual no longer resides, lives or works in the service area but only if coverage is terminated uniformly without regard to any health status-related factor of covered individuals; or

(5) In the case of coverage made available in the individual market only through one or more bona fide associations, the individual's membership in the association ceases but only if coverage is terminated uniformly without regard to any health-status related factor of covered individuals.

(b) This section applies to individual accident and sickness insurance coverage offered, sold, issued, renewed or in effect after June 30, 1997.

## Nearby sections

- [W. Va. Code § 33-15-1 §33-15-1. Scope of article.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S1.md)
- [W. Va. Code § 33-15-1A §33-15-1a. Premium rate increase requests; loss ratio requirement.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S1A.md)
- [W. Va. Code § 33-15-1B §33-15-1b. Rates, individual major medical policies.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S1B.md)
- [W. Va. Code § 33-15-2 §33-15-2. Scope and format of policy.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2.md)
- [W. Va. Code § 33-15-2A §33-15-2a. Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2A.md)
- [W. Va. Code § 33-15-2B §33-15-2b. Guaranteed issue; limitation of coverage; election; denial of coverage; network plans.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2B.md)
- [W. Va. Code § 33-15-2C §33-15-2c. Feasibility study for alternatives to guaranteed issue.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2C.md)
- [W. Va. Code § 33-15-2D §33-15-2d. Exceptions to guaranteed renewability.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2D.md)
- [W. Va. Code § 33-15-2E §33-15-2e. Discontinuation of particular type of coverage; uniform termination of all coverage; uniform modification of coverage.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2E.md)
- [W. Va. Code § 33-15-2F §33-15-2f. Certification of creditable coverage.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2F.md)
- [W. Va. Code § 33-15-2G §33-15-2g. Applicability.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2G.md)
- [W. Va. Code § 33-15-3 §33-15-3. Age limit.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S3.md)
- [W. Va. Code § 33-15-4 §33-15-4. Required policy provisions.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S4.md)
- [W. Va. Code § 33-15-4B §33-15-4b. Policies to cover nursing services; definition.](https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S4B.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_WV_C33_A15_S2D. Check the current official text before relying on it. Not legal advice.