When you signed up, OCHO loaned you money to help pay for your insurance. We paid the insurance company directly on your behalf (instead of you paying the insurer).
So if you cancel before the end of your policy, you might still owe OCHO something back. That usually includes the insurance you already used, any fees from your plan, and then we subtract what you’ve already paid. What’s left is your balance.
We're not charging you twice, we’re just settling up the part of the loan that covered your used insurance, which you owe back to OCHO.
Example:
