Accidently forgot to cancel insurance Kaiser, refund possible?

No refunds are available. Unpaid premiums will eventually cause your plan to be cancelled, retroactive to the last month that you paid for.

These unpaid premiums are not debt that you have to worry about. However, if you ever wish to enroll with Kaiser again, Kaiser can charge you as follows: "The consumer can be charged no more than one month of back premium payment in order for the health plan to be effectuated, if the consumer is enrolling in the health plan again."

https://insuremekevin.com/kaiser-cancels-coverage-of-covered-california-member-for-past-due-premiums-not-owed/

Lets run though some situations.

• If you paid money for both policies, they are unlikely to refund the money for the personal policy. It isn't against the law to have multiple health insurance policies. It is just that in most cases they are redundant. But there are cases when one is prime and the other secondary and they can work together. Your situation would be the same as asking for a refund for any month when you didn't have a medical expense.

  You would have even less luck getting a refund from the employer policy. There are windows when you can join, and you did so. The risk is that they could ban you until the next open season.

• If you paid for the employer policy, but only have a bill from the personal policy you may have an even bigger problem. Even pre-COVID there were rules regarding delinquent insurance premiums. They can't cancel the policy if you miss the due date. Failing to pay the premium will eventually turn into a debt, that they can eventually try and collect. That debt collection could also hurt your credit score.

All this assumes that you didn't send any claims to them during the months in question. If you did, they will insist that they did their job.

I believe that you have learned an expensive lesson. I would cancel the personal policy today. And then ask for them to reduce what you owe or try and get a refund, you might get lucky.