Can health insurance be declined during open enrollment?

Can health insurance be declined during open enrollment? We are in Texas. My wife’s insurance through her employer is almost doubling next year (starting in October). They are currently in open enrollment. Her crappy HMO will cost as much as a gold-level private plan. The HR company that handles their benefits claims that she can’t decline coverage during open enrollment unless she is enrolled in another plan. Is this true? Can you not decline coverage and opt to be uninsured? She wouldn’t be eligible for a marketplace plan until January 1. It seems like she is being trapped into a lesser, more expensive policy by the employer. BEST ANSWER: Try… Read More

Continue Reading