10/04/2026
You paid your health insurance premiums. They paid your medical bills after an accident. So why are they asking for money back when your personal injury case settles?
It’s called subrogation, and it can have a real impact on how much of your settlement you ultimately take home.
But here’s the part many people don’t realize: the amount your health plan asks for isn’t necessarily the amount it will ultimately receive.
Different laws may govern what a health plan is entitled to recover depending on the type of plan, the plan language, and whether state or federal law applies. And even after determining what the plan may legally recover, there may still be room to negotiate.
A settlement isn’t just about the number you recover. It’s about what you keep. Make sure your lawyer knows how to best maximize your recovery.
Goharzad Law APC
www.GzadLaw.com
Golnoush Goharzad, Esq.
19800 MacArthur Blvd. Ste 300A. Irvine CA 92612
888-457-7797
Attorney advertising. Licensed in California. Results not guaranteed. This post is for informational purposes only and does not create an attorney-client relationship.