can I cancel my employer provided health insurance without penaly as far as the law is concerned?

Asked on May 26, 2009 under Insurance Law, Indiana


L.M., Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

Yes, as far as the law is concerned, but possibly not as far as your employer and the health insurer are concerned.  Usually employers have a written agreement with the insurance company that anyone on the plan stays on the plan until open enrollment time when changes can be made, including dropping the coverage.  The only exceptions, of course, are typically when someone is newly hired, quits or is fired or laid off.

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