<prompt> Human: My dad decided he was curious about how much it would cost me to have Obamacare and signed me up for it without my knowing please hold off on the report for identity theft, burn your bridges type comments, reddit :.nbsp;I got a notification through my normal insurance company I AM COVERED under group plan without obamacare that a bill for 500 is due on 11 for my individual plan premium. My dad said he would cancel, but also said that it should not be reported to credit bureaus if I do not pay- I just wont have coverage under Obamacare. Should I make him deal with calling to cancel it before the 1st to be safe?nbsp;I know this is an insurance related question, but my primary concern is my credit score being affected. I was unable to find a definitive answer so far online. Thank you in advance for your help.  <response>: Its my understanding that they give a grace period of about 30-60 days to pay the premium after the due date. If you dont pay then the policy is cancelled. However, if you used the insurance during that time then you are now responsible for the entire balance.I recommend you still call and cancel if you dont plan to use it because if you do end up being hospitalized I can already foresee COB issues Coordination of Benefits. When you have two or more active policies its imperative that both know whos primary and secondary to avoid delays in billing. Even if you havent paid the premium on the Obamacare policy it still shows up as active and the insurance can still provide authorization for services. They just wont pay until you pay the premium. Hope this helps.Edit: To directly answer your concern, it will not affect your credit score if you dont pay the premium. Thats why they cancel it when you dont pay. It will affect it if as a result, the entire hospital bill is transferred to you and you dont pay that. 