For those on the Healthcare.gov Exchange:
Federal law requires that the Company give you 90 days before cancelling your policy for default of payment. IME I had no claims for Aug-Oct of 2016. My Account was in default and in November they cancelled my coverage retroactively which made no difference as I had no claims regardless! (This happened to me by mistake as a 90-Day Default Account means that you were behind even as little as 1 penny for a period of 90 days. I hadn't realized that)
Now that the penalty is not being enforced you won't be hit by that either.
So basically as long as you have no claims during Oct-Dec, you don't pay for Oct-Dec and in January they will cancel you retroactively ...