Medical Insurance
Labor and Employment Law

Can an employer force an employee to take the health insurance they are offered?

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Wiki User
2015-07-15 21:44:29

no, no employer can force you to sign up for medical benefits.

If you are covered by a spouse, for example, there may be no need

for you to sign up for your company's insurance program.

It may be required for you to sign a waiver stating you are

refusing the insurance offered by your employer. This is usually

accompanied by a statement stating that you are fully insurable

within your first 30 days of employment. If you choose to

participate in the insurance program after your inital 30 day

employment period, you may be subject to a physical and / or other

medical tests.

Actually the previous answer that somebody gave is incorrect. If

the employer is paying 100% of the premium cost they not only can

force you to be on the plan, but they must. Under federal law they

would be discriminating against you if they did not. You cannot

waive off the policy. However, if you are paying ANY portion of the

premium, you have the right to waive off the policy.

Actually, it's worse. Both of the previous answers are wrong,

according to the Department of Labor. Their representative states

that there is no law that bars a company from making its employees

accept the health coverage options it offers-- even if the employer

pays none of the premium. I repeatedly ask for a law that speaks to

this question, and they repeatedly said there is no law. They

related it to practices like companies requiring that employees

have (and pay for) uniforms. They can make this a requirement of


So Yes, an employer can force its employees to accept the health

coverage and pay out of pocket. They may offer waivers, but they

are not required to by law.

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