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Unread 07-05-2012, 05:07 PM
 
131 posts, read 196,582 times
Reputation: 30
Default opting out of employer health insurance

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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Unread 07-05-2012, 05:20 PM
 
491 posts, read 1,022,008 times
Reputation: 490
Short answer - yes.
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Unread 07-05-2012, 06:28 PM
 
1,685 posts, read 3,790,289 times
Reputation: 1419
Long answer - yes.
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Unread 07-05-2012, 06:33 PM
Status: "want to be beach bound! lol" (set 6 days ago)
 
Location: home state of Myrtle Beach!
5,272 posts, read 8,786,914 times
Reputation: 2360
ask your HR rep...we don't know your company's procedures.
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Unread 07-05-2012, 08:05 PM
 
5,746 posts, read 3,524,772 times
Reputation: 3451
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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Unread 07-05-2012, 08:23 PM
 
Location: East of Seattle, originally from SF Bay Area
11,107 posts, read 11,847,877 times
Reputation: 7036
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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Unread 07-05-2012, 09:03 PM
 
126 posts, read 118,244 times
Reputation: 191
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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Unread 07-05-2012, 09:59 PM
 
14,200 posts, read 5,275,882 times
Reputation: 5146
I cannot fathom an employer saying one cannot, even if the law did not allow such a choice.
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Unread 07-05-2012, 10:12 PM
 
Location: rain city
2,620 posts, read 6,363,756 times
Reputation: 3539
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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Unread 07-06-2012, 06:59 AM
 
3,559 posts, read 3,212,596 times
Reputation: 4194
I don't know anything about case law regarding this issue, but you can opt out where I work.
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