Tuesday, July 19, 2011

Can an employer legally prevent you from dropping your health insurance plan before annual enrollment?

We recently had a baby and I upgraded to a family plan to include both wife and baby. My wife's employer will not allow her to withdraw from her individual plan for this life event...is this legal?
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I know you have X amount of days to add someone when you get married or have a baby. They don't consider her wanting to switch plans a life changing event. The restriction being imposed is not coming from your employer, it is coming from the insurance company. To see if there is any work around I would find out who she has insurance through and call them directly, most likely your employer won't know as much as the insurance company.
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