You're not going to be able to unless you've a field that outputs their subscription status that you can condition against. So you'd need a CB Query Field to query for their subscription status then condition against that query field in your action.
The below query can be used to determine if they've at least 1 active plan, which should be fine for your usage since you've 4 exclusive plans.
Field Name: [cb_active_subs_count]
Query:
Code:
SELECT COUNT(*) FROM `#__cbsubs_subscriptions` WHERE `user_id` = '[user_id]' AND `status` = 'A'
Then you'd condition for your query field as follows.
[cb_active_subs_count] Less Than or Equal To 0