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Old 07-05-2012, 06:07 PM
 
131 posts, read 219,842 times
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is opting out of employer provided health insurance always an option if you are covered under another insurance plan?

for example, if you have insurance through your spouse, can you always decline health insurance from our employer so that you do not have to pay a contribution towards that plan?

thanks.
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Old 07-05-2012, 06:20 PM
 
491 posts, read 1,189,736 times
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Short answer - yes.
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Old 07-05-2012, 07:28 PM
 
1,691 posts, read 4,180,117 times
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Long answer - yes.
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Old 07-05-2012, 07:33 PM
 
Location: home state of Myrtle Beach!
5,533 posts, read 10,404,464 times
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ask your HR rep...we don't know your company's procedures.
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Old 07-05-2012, 09:05 PM
 
7,238 posts, read 5,012,275 times
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Quote:
Originally Posted by PureHapa View Post
Short answer - yes.
Quote:
Originally Posted by JTGJR View Post
Long answer - yes.
either of you care to elaborate?
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Old 07-05-2012, 09:23 PM
 
Location: East of Seattle, originally from SF Bay Area
14,445 posts, read 17,381,414 times
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At my place of work you can, and save maybe $70 a paycheck, the employee contribution. They will not give you the equivalent in cash or any other benefit. Most people go ahead and keep both, as we do with dental, because often it saves a lot when the primary doesn't cover all of the charges and the secondary kicks in. We got rid of my wife's medical because it was $600/month employee contribution so not worth having both.
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Old 07-05-2012, 10:03 PM
 
126 posts, read 156,051 times
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My co-worker does this, as she gets insurance through her husband. I think you just have to go through some additional paperwork with HR to insure you don't get placed on any default plans.
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Old 07-05-2012, 10:59 PM
 
16,734 posts, read 7,365,969 times
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I cannot fathom an employer saying one cannot, even if the law did not allow such a choice.
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Old 07-05-2012, 11:12 PM
 
Location: rain city
2,653 posts, read 7,235,580 times
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Since the Supreme court upholding of the Affordable Care Act......who knows?

Previous to last week--yes--you could opt out of employer provided benefits if you felt confident you had other family coverage. You could opt out even without other coverage, in the US employees have never been obligated to partake in employer sponsored options.

In general, opting out of anything is always an option. Who knows now......
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Old 07-06-2012, 07:59 AM
 
4,906 posts, read 4,962,146 times
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I don't know anything about case law regarding this issue, but you can opt out where I work.
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