If my insurance company files bankruptcy do I have to pay premiums?

You may want to find another insurance company, or this one might be very strong after the Bankrutpcy. (Find a new one). If the ompany is in a reorganization, like Chrysler and GM just went though they have the ability to keep providing coverage. If you want coverage with them then keep paying. If they are being liquidated you should know and it that circumstance there is no reason to continue to pay for coverage. Before you do anything contact the Trustee in charge of the case to determine what is happening and then contact a Bankruptcy attorney. Or keep it simple and switch if possible! Disclaimer: This answer does not constitute legal advice. I am admitted in the States of New York, New Jersey and Massachusetts Only and make no attempt to opine on matters of law that are not relevant to those three States. This advice is based on general principles of law that may or may not relate to your specific situation. Facts and laws change and these possible changes will affect the advice provided here. Consult an attorney in your locale before you act on any of this advice. You should not rely on this advice alone and nothing in these communications creates an attorney client relationship. The opinions expressed herein are those of the author only and the fact that he has worked as an Assistant District Attorney; State Supreme Court Clerk; Special Assistant United States Attorney (Hawaii); Assistant Cornell University Counsel or Judge Advocate, United States Marine Corps should not be relied upon to assume that these statements reflect the policy of these organizations.