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Answered 2010-01-15 00:27:03

In the US, some qualifying reasons to drop health insurance would be because one of the people originally covered becomes eligible for Medicare, one of the people covered dies, or if the people covered were married but then get divorced (unless maintaining health insurance is manadated in the divorce decree).

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Under most circumstances you can drop coverage at open enrollment. You can check with your benefits administrator to see if there are any qualifying events that may allow you to drop earlier. Also, in some circumstances you can not drop coverage even if you want to. Here in CA if the employer's health insurance contract calls for the employer to pay 100% of the employees premium the employee can not decline coverage. Very often you will see a contract written at 99% even though the employer actually pays all of it just for that reason.

Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer

You can always drop due to a qualifying event. If you did not have a qualifying event, check your Section 125 Plan (AKA Cafeteria Plan). This document dictates the contributions that you make pre-tax through payroll deduction... so your ability to stop paying may be the key to your decision.

My understanding is that they can only drop you for a pre-existing condition. They cannot drop you if you get seriously ill after you buy the policy.

Yes, you can drop your coverage whenever you have a qualifying life event. You will lose any money in your Section 125 that you do not use before the end of the qualifying time period.Ê

When there are more options for healthcare, demand will drop. When there are less options, demand will increase for quality healthcare.

You can drop anyone that is listed as a driver on a car you own and pay for insurance on for any reason. Depending on your insurance company this may avoid them raising the premium on that car due to his DUI.

yes, in most cases the fine is cheaper than paying for insurance so most will

No, an employer cannot harass their employees into dropping coverage. It is not the employers business to get involved in the personal insurance details of their employees.

I presume your asking about Medical/Health Insurance? If you are out of work for a work-related injury [ie. you're on work comp] your company can terminate your medical/health insurance. I don't think it applies to short-term or long-term disability as those are health/medical benefits to begin with.

can a husband drop wife from insurance if not divorced.

i guess it just reallys depends. you might just have to call the doctor to see whats going with the insurance and stuff.

In general, there is no legal requirement that a spouse be insured on the other spouse's health insurance. A major exception to this general rule would be, for example, if the parties were to be divorced and a provision of the settlement agreement or judgment required otherwise.

An insurance company cannot drop you in the middle of a claim. The state department of insurance sets standards for how long it takes for the insurance company to respond to a claim, and to issue payment once damage is verified. If they have stopped contact with you and have not given you a reason I would contact your state department of insurance and file a complaint.

Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.

the quick answer is NO. However, because she is over 18 yrs old she would have to approve the change. Bryan Kowalczyk health insurance agent licensed in IL, TN, VA, LA

You can dump yours at any time as long as you can be added to your spouses at this time. Answer The way I read the "permitted election changes " rules, no. You would have to wait for your open enrollment to cancel, which would be a qualifying event allowing your spouse to add you to his/her policy. To read the IRS guidelines use this link. Don

Usually divorce (to drop the other party) or marriage. Otherwise you may have to wait until open enrollment to drop. If you want to add yourself to your spouse or partner's coverage check first but you may be able to do that when you drop rather than have to do it during his or her open enrollment period. Again, check first before you do anything.

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It might be a good idea to keep both. If you don't have to pay anything for the insurance through your job, I would definitely keep both. If you have prescriptions that are expensive or brand named, you may want to keep your current policy.

There are lots of reasons that dropping your health plan at any time is unwise. But to answer your question: You can go for up to three months without health insurance, and still not have to pay the penalty/ tax. You drop your health plan by stopping your monthly payments for it. If you are covered by an employer plan, you would notify your employer. The employer will have forms for you to sign, and may ask you to verify that you have health insurance from another source. When you stop paying for your plan -- either at work or at home -- your coverage will also stop. You pay for health insurance in advance for the following month. So, if you don't pay the bill that is due at the end of January, you won't have coverage in February. Keep in mind that you cannot pick up coverage whenever you want to. If you drop out, you cannot re-enter until the next open enrollment. Whatever medical bills you have while you are uninsured are your responsibility. There is no such thing as back dating your health insurance to cover your hospital bills that you had last month.

My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.

It wouldn't be a good idea, because there are deductibles, co-pays, etc. not covered by Medicare.

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