I thought retroactive cancellations were illegal unless you were proven to have violated the terms, such as someone failing to report a pre-existing condition that affects coverage or lying on the application.
Retroactive cancellations were tort violations unless you could prove fraud existed to the best of my knowledge but now we live in Obamaland where up is down and black is white; truth is no longer absolute; it’s whatever you want to portray it as (not my version; theirs).