Short answer: Yes, in almost all cases. Federal law gives you guaranteed renewability: your insurer must renew or continue your coverage at your option. It can refuse only for specific reasons, such as not paying premiums, fraud, or the insurer leaving the market entirely. It cannot drop you because you got sick or used a lot of care.
Guaranteed renewability is a core protection. Under the rules, a health insurance issuer is required to renew or continue in force the coverage at the option of the plan sponsor or the individual. By statute, the issuer must renew or continue in force such coverage at your option, so your plan cannot simply decline to renew a member at the end of the year because of their health or claims.
The law allows non-renewal only in narrow situations: nonpayment of premiums, fraud or intentional misrepresentation, violating participation or contribution rules for group plans, the issuer discontinuing that product or leaving the market (with notice and options), or moving outside the plan’s service area. If a plan is discontinued, you generally get the right to enroll in other available coverage.