Can employers refuse to cover dependents?

Under the ACA, an employer can choose to offer medical insurance benefits only to employees and their dependent children, not to employees’ spouses, but it must apply the rules consistently. An employer cannot discriminate by extending coverage to some employees’ family members but not to others.

Can an employee drop a dependent from my health insurance?

There is no qualifying event that triggers offering COBRA when an employee makes a voluntary choice to drop dependents from the health insurance plan during open enrollment. Generally, COBRA requires that an employee, spouse or dependent child be covered by the plan the day prior to the qualifying event.

Can you drop dependents from insurance?

A: You may remove family members from your plan at any time. Generally, this happens when they obtain coverage from another source. Call the number on the back of your ID card to remove dependents from your plan.

Can a dependent be dropped from an employer plan?

So your employer should allow you to refuse coverage for a dependent or drop a dependent from the plan. With that said, there are specific rules that apply here, and this could cause a problem.

Can a company refuse to cover a dependent?

Your employer has to offer coverage, but you do not have to accept coverage. So your employer should allow you to refuse coverage for a dependent or drop a dependent from the plan. With that said, there are specific rules that apply here, and this could cause a problem.

Can a employer force a dependent to sign up for insurance?

Your employer can not force you (or your dependents) to take or keep the employer coverage they offer. You will need to ensure your dependent has other coverage qualifying as minimal essential coverage though, and may find it difficult to sign him up for another insurance outside of qualifying for open enrollment.

What happens if I refuse to sign up for my employer plan?

An employee who refuses employer coverage and doesn’t obtain coverage on his or her own will be subject to a penalty. Unless the employee signs a waiver stating that they are covered under another plan, such as a spouse’s plan, Medicaid, or Medicare, the employee cannot enroll in your plan until the next open enrollment.

So your employer should allow you to refuse coverage for a dependent or drop a dependent from the plan. With that said, there are specific rules that apply here, and this could cause a problem.

Can a company require you to keep a dependent on your health insurance?

Yes, this is standard practice. Once you make your health insurance choices during your annual open enrollment period at work — including naming the dependents for the plan — they are locked in until the next year’s open enrollment period.

What is spousal exclusion?

To rein in rising health care costs, employers tell employees’ working spouses to go elsewhere for insurance. These provisions limit access to a plan when an employee’s spouse works for another employer that offers health insurance. …

Is 1199 a PPO or HMO?

We are a Preferred Provider Organization, not an HMO or an insurance company. Our priority is ensuring quality care for 1199SEIU members and their families.

Do employers have to cover children?

So in short — employers are not required to offer family health insurance. That being said, many employers choose to offer coverage for spouses and families, regardless of whether dependents are older or younger than 26 years of age. In addition, most choose to subsidize a portion of the premium as well.

Can I have insurance through my work and my husband’s?

A. Yes, it is legal. The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. However, only 86 percent of those employers allow spouses to enroll if they have access to coverage from their own employer.

Is 1199 a good insurance?

1199SEIU members have some of the best health coverage in the nation. Most 1199SEIU members enjoy unparalleled health coverage with little to no out-of-pocket costs, while other members pay modest co-pays and premiums for high-quality care.

How do I know if I qualify for 1199?

You can also verify your 1199SEIU patients’ eligibility and claims status 24 hours a day, 7 days a week, through our Interactive Voice Response (IVR) system. Just call (888) 819-1199 to enter your Taxpayer Identification Number (TIN), and your patient’s Member ID number and date of birth.

Who qualifies dependents?

To claim your child as your dependent, your child must meet either the qualifying child test or the qualifying relative test: To meet the qualifying child test, your child must be younger than you and either younger than 19 years old or be a “student” younger than 24 years old as of the end of the calendar year.

Can a stepparent add children to his health insurance?

My ex-wife is ordered to maintain health insurance coverage for our children. She is now remarried and wants to put our children on her new husband’s insurance. Can a stepparent add children to his insurance?

Is it legal for my husband to not have health insurance?

We just received a letter from his company stating that beginning next year, if I had access to my own health insurance I can no longer be covered under his insurance. Is this legal? A. Yes, it is legal. The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses.

Are there health insurance rules for stepchildren under the ACA?

These provisions also allow your married stepchildren to be covered by your family’s ACA health plan. The IRS states that ACA rules for dependent coverage do not apply to every employer-provided health insurance plan.

Can a step child be a beneficiary of a life insurance policy?

If you have a life insurance policy or a pay-on-death financial account, you can name your step-child as a beneficiary of the policy or account. Of course, you’ll need to keep in mind that any gift you leave to your step-child will reduce the amount of property available to your other beneficiaries – like your other children and your spouse.

Can a step parent be covered by the other spouses health insurance?

1. It’s always worth pursuing whether the step-parent and children could be covered under the other spouse’s insurance. That is, the spouse who is biologically related to the children can clearly cover his or her own children under their health insurance; and the step parent s/he married is now his or her wife/husband, so s/he can be covered, too.

What should I do if my stepchildren dont have health insurance?

If your employer’s plan doesn’t offer coverage for your stepchildren, you can elect to enroll your entire family in an ACA marketplace plan that meets your needs. The state you live in might have additional requirements for private insurers and employer group plans than those in the ACA.

Can a divorced dad be forced to cover insurance for adult kids?

Covering the kids doesn’t cost him anything extra, but for me to switch from a single plan to a family plan is an extra $175 a month and I can’t afford it. Since the age of majority for health insurance is now 26, is it possible he still is required to keep them on his insurance?