Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not required to offer COBRA.
Last, if you were fired from the job for gross misconduct, the employer does not have to offer you COBRA coverage.
No. Call your States Department of Insurance.
AnswerYes.
Yes, in certain situations. For example, 1) If you are no longer considered an "Eligible Employee" - (ie. you no longer work enough hours to be considered full-time); 2) If your employer discontinues the plan for all employee's. Note: Any involuntary loss of coverage may be a COBRA or HIPAA event.
Yes. There is no legal obligation for your employer to offer health insurance unless you have a labor agreement through your labor union that requires it.
Yes. It may be a hassle, but it is important to choose the best coverage at the least cost for your family.
Technically employer should inform the insurance company when they terminate any regular employee. Then insurance company will give 31 days window after termination date. That way, the emplyee could able to change their insurance either to new company benefits program or convert to individual health insurance. The employer can't terminate your group health insurance.
Generally yes, if it's the end of the month after termination. There is probably COBRA afterwords.
Yes. In the United States you can.
Individual Policies are better. The employer can't cancel it. You can take it with you to a new job.
Certainly. The employer OWNS the job - you don't. The employer can change it as he/she sees fit, or cancel it, or give it to another. You have no right to "your job".
Who is paying the insurance policy, you or the employer? If the insurance was part of your compensation package at work, I believe that you must be notified at least a certain number of days in advance of its being cancelled or withdrawn, so that you can obtain replacement insurance. Also, look into COBRA.
You sure can cancel your insurance policy BUT you might not want to. In our state insurance is required to drive a car or truck and you can be fined and lose you drivers license if your caught driving without insurance. I would question the wisdom of cancelling your insurance