This is much more serious than a legal claim to get your premium payments back. It is a criminal act and should be reported to the policy department's fraud division as well as your state's department of insurance. The insurance company should also be informed. First of all, it is illegal for the employer to require that employee's pay for 100% of their own health insurance premium. By law, the employer is required to pay at least 50% of the total cost. If the employer did not pay the insurance premium, this coverage was likely terminated by the insurance company. This could create severe hardships for any employee that was under medical treatment at the time, and could cause other employees to have a lapse in insurance coverage that could create complications for them when they attempt to acquire new health insurance. The employer will be liable for the return of premium to all employees, as well as any medical epenses incurred by employees as a result of being uninsured.