If you bought your policy on the Health Insurance Marketplace and get a tax credit that lowers your monthly payment, you are given a 3-month grace period to catch up if you miss a payment.
If your payment is late and you are in months 2-3 of your grace period, this is how it affects your medical and pharmacy benefits:
Medical benefits are available to use. However, when the claims are filed, they are put on hold until payment is brought current.
Pharmacy benefits are not available to use. Premium payments must be brought current to be able to use your pharmacy benefits.