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Asked: Apr 29, 2010

If I don't take my employer's plan, am I eligible for add'l compensation?

My employer just offered me health insurance. I am currently covered under an individual health care plan that I am quite happy with. My employer suggested that I keep my individual plan as secondary insurance since I will be leaving my job in a year. However, I am very healthy and it seems unneccessary and ecessive to have 2 health insurance plans. My question is if I don’t accept the group insurance through my employer, are they responsible to compensate me either monetarily through a raise or bonus, or to pay for my individual plan? I have heard this situation occuring with married employees who are already covered under their spouse’s insurance…thanks!

Categories: In California

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Answers

There is no law that would require your employer to pay for your Individuals if you do not accept coverage under the group plan that is being offered. However, many employers are willing to do this, as it could be more cost effective for them. This is something that you will need to suggest to and discuss with them. If they are not receptive, it might be in your best interest to accept group coverage and cancel your current individual health plan. This would depend on the premium amount of the individual plan and the level of coverage. Since your employment will only last 1 year, it is nice to have back-up in the event that your health status changes during the year. Even if it does, you will be able to obtain coverage under COBRA laws, but at a premium that would likely be higher than what you are paying now. - Tuesday, December 1, 2009 @ 10:59 am

Answered: May 01, 2010

 

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