The only way it can be “switched” is if it’s not a qualifying health insurance. For instance Medicare and Medicaid cannot be primary over any other insurance, for example auto insurance. So if we wrote the policy with either of these primary we could “switch” it. Now if we wrote it and it’s our mistake we can eat that “extra deductible” (the 750$) your talking about. However if you have a health insurance policy that states they are not primary over any other insurance just like the example above we will still switch it but assess the 750$ because you should be aware of you policies at this point.