Topic:

HR Fast Facts: Can Employees Decline Health Insurance and Enroll Later?

December 8, 2022
HR Fast Facts: Can Employees Decline Health Insurance and Enroll Later?

Employees who want to decline health insurance coverage may do so, but must be absolutely sure of their decision before choosing to decline. Those who choose to decline coverage during initial enrollment will not be covered under their employer's insurance plans or pay any premium deductions. They can only enroll in coverage outside of their eligibility window during a company's open enrollment period or in the event of a qualifying life event (QLE).

Making changes outside of open enrollment

Changes can only be made to insurance status if employees have undergone a QLE. Examples of QLEs include getting married, giving birth, adopting a child, or a change in your spouse’s insurance coverage status. After having a qualifying life event, employees can enroll or make changes to their insurance within 30 days.

rise-nav_banner.jpg

Inspirational stories and on-the-ground perspectives shaping the future of work.

Start here
PF_2023_Insights_Ad.jpg

On-demand sessions

Start here
jebbit-peo-ad-new.webp

Is a PEO right for you? Take our assessment.

Start here
Additional Articles
esac.png
ESAC Accreditation
We comply with all ESAC standards and maintain ESAC accreditation since 1995.
irs.png
Certified PEO
A TriNet subsidiary is classified as a Certified Professional Employer Organization by the IRS.5.