dcsimg

Get quick & easy health insurance quotes

Yes
No
Yes
No

Ask the Health Insurance Expert

Q

Can I opt out of my union health insurance plan if I am covered by my wife’s health insurance plan?

A

While most people cannot be forced to take their employer’s health insurance plan, there are exceptions. One such exception is if your union contract locks you into the health plan.

If your union agreement mandates you participate in the company’s group health insurance, you’re stuck with it and can’t opt out to join your wife’s health plan.

You can contact your benefits administrator at work to see if your union contract allows you to opt ouHealth insurance paperworkt of the group health insurance plan or not.  If you can decline the health insurance coverage, you will need to find out when you can drop it and when your wife can add you to her health insurance plan. 

Typically, one only can change health insurance plans (drop or add coverage) during the annual open enrollment period or due to special life events -- like marriage.  So, even if you can opt out, you may need to wait until the next open enrollment period for you and your wife to make the changes.

Last updated: Mar. 4, 2015
By
Ask the Insurance Expert
Penny Gusner Consumer Analyst
Penny Gusner has been working in the insurance business for more than 10 years. She researches your questions, from the routine to the bizarre, with equal enthusiasm. Read More

Please Enter Valid Question

Thank You, Your message has been received. Penny typically answers questions within two working days. Note that due to the volume of questions we receive, not all may be answered. Ask another Question
Comments
Tell us your thoughts
0 Responses to "Can I opt out of my union health insurance plan if I am covered by my wife’s health insurance plan?"

No Comments

What do you think? You can add a helpful comment to this page by filling out the form below.