Yes.
Yes. It may be a hassle, but it is important to choose the best coverage at the least cost for your family.
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.
Legally? no, your employer has 60 days to mail you information on COBRA policies they offer. Your policy from your employment will terminate 30 business days after your employment ends
No. Call your States Department of Insurance.
each state would have their own reasons insurers can cancel or non renew coverage - this doesn't seem like a reasonable reason to cancel coverage
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.
If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy
Not if you purchased the coverage while you were healthy.
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.
They must let you know with enough time prior to the cancel date, (which is different than a non-renew, cancelling rarely occurs), for you to seek coverage else where.
Call your insurance company and ask what the policy is for removing coverage. You may not be able to if you signed a contract.
Yes you can. If you feel his coverage is adequate to meet his healthcare needs, then keeping him on your plan would be paying for insurance that you don't need.