My employer wont let me stop my health insurance, .?

Question

my wife had a new job and thier health insurance is cheper than our's so she include me & our son's, the problem now is that they wont let me stop my health isurance coz they say i have to wait until enrolment. the enrolment is on november and i pay $130/ mo. is our employer right? what shuold i do? i live in tennessee. thanks.

Answer 1

The usual requirement to wait for enrollment before making changes usually has exceptions for certain events, such as getting married, having children, getting divorced, etc.  In some cases, a spouse obtaining a new job and/or obtaining health insurance through one's spouse's employer qualifies as an event that allows you to make changes immediately, without waiting for the next open enrollment.

By the way, $130 is very cheap.  Please tell us where you work so that those of us paying more can get jobs there.  (Joke).

Answer 2

depending on the size of the company, you may not be able to dis-enroll in the insurance plan.  Most company's allow you to dis-enroll during the year, but it is not widely published as allowed.  Talk to HR and ask why you cannot dis-enroll.  If they still refuse, contact the carrier/broker of the plan and confirm with them.  

Some company's only terminate benefits when you leave the company, and that could be the situation you are in.

Answer 3

Well, you need a qualifying event, or open enrollment.  

Ask them for a written list of qualifying events - normally, it's birth, death, divorce, etc.   I'm not sure your spouse getting a new job qualifies.

Answer 4

Because....that is the contract with the insurance company.