How to Handle an Unsuccessful or Missing Premium Payment

Learn what to check when an expected premium payment is unsuccessful or missing and what to do when an employee needs to take action.

Sep 7, 2026

When a payment appears unsuccessful or is missing from the expected record:

  1. Review the carrier notice and payment information available in Lirvion.

  2. Confirm that the record is for the correct employee.

  3. Confirm the coverage month.

  4. Confirm the premium amount.

  5. Notify the employee when action is required.

  6. Direct the employee to follow the carrier's payment instructions.

Do not wait for a platform status to change. A change in Lirvion does not extend the carrier's payment deadline.

If a required premium is not paid, the carrier may terminate the individual policy, including retroactively. Without active individual health insurance coverage, the employee does not satisfy the ICHRA coverage requirement for the affected period.

If the available information does not explain the issue, contact Lirvion with:

  • Employee name

  • Carrier

  • Coverage month

  • Amount in question

  • Available payment confirmation

Do not send complete bank account or payment-card information by email.

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