Ohio Judge Halts Thin Blue Line Benefits Operations Over Unpaid Claims

COLUMBUS,Ohio – Thin Blue Line Benefits Association,a Texas-based health insurance company,has been temporarily barred from conducting business in Ohio following a ruling by a Franklin County Court of Common Pleas judge. The court order, issued Wednesday, also appointed the Superintendent of the Ohio Department of Insurance as the company’s conservator, citing concerns that the company’s continued operation poses a financial risk to policyholders, creditors, and the public.

Allegations of Unpaid Claims and Unlicensed Operation

The Ohio Department of Insurance initiated the legal action on June 24, 2025, requesting the court to halt Thin Blue Line Benefits Association’s operations in Ohio.The complaint alleges that the company, which markets its services to retired police officers, firefighters, and other first responders under 65 who are not yet eligible for medicare, was operating without a license and had ceased paying policyholders’ medical claims while still collecting monthly premiums. This action has left manny policyholders in precarious financial situations, struggling to afford necesary medical care.

Did You Know? According to a 2023 report by the Kaiser Family Foundation,approximately 15% of adults aged 50-64 in the U.S. are uninsured or underinsured, highlighting the vulnerability of this demographic to healthcare access issues.

Details of the Complaint

The complaint further details that Quilt Benefits, the claims administrator, and Cigna Healthcare terminated thier agreements with Thin Blue Line Benefits Association on December 1, 2024, due to the company’s failure to pay provider claims. At least 3,400 individuals enrolled in the insurance plan starting September 1, 2024, paying monthly premiums ranging from $778 to $3,005. However, claim payments stopped in November 2024, leaving policyholders responsible for medical bills totaling tens or even hundreds of thousands of dollars. The Ohio Department of Insurance characterized these actions as “unfair and deceptive acts and practices.”

Retired Madison Village Police Chief dawn Shannon, a policyholder as 2023, expressed her frustration, stating that the plan was initially reasonable but costs increased, and payments eventually stopped.She now faces an outstanding medical bill of over $3,000. Shannon hopes the temporary restraining order becomes permanent,preventing the company from operating anywhere.

Pro Tip: Always verify the licensing and regulatory status of any insurance provider with your state’s Department of Insurance before enrolling in a plan.

Ohio Attorney General Investigates

The Ohio Attorney General’s Office has launched an examination following complaints from 27 policyholders. A hearing for a preliminary injunction against Thin Blue Line Benefits is scheduled for July 9, 2025. News 5 Investigators attempted to contact thin Blue Line Benefits for comment but were only able to reach an answering service.

Impact on First Responders

The situation has left many retired first responders, who relied on Thin Blue Line Benefits Association for their healthcare coverage, in a state of uncertainty and financial distress. These individuals,who dedicated their careers to serving their communities,now face the burden of unpaid medical bills and difficulty accessing necessary medical care. The Ohio Department of Insurance is working to protect the interests of these policyholders and ensure they receive the coverage they were promised.

the National Association of Insurance Commissioners (NAIC) provides resources and details to help consumers understand their insurance options and protect themselves from fraudulent or unethical practices. Consumers can access these resources through the NAIC website.

What steps do you take to ensure your health insurance provider is legitimate? What resources do you find most helpful when researching health insurance options?