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Refusal of Personal Coverage. Complete if you, your spouse, domestic partner or dependentlsl are refusing your employer's Blue Shield of California health, .

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No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.

Most companies are not willing to negotiate extra pay for people who forego benefits. If you bring this up before your offer is firm, it might even hurt your chances a little to bring this stuff up.

Employees may decline health insurance offered by employers. This is called a waiver of coverage. If an employee waives coverage for himself or herself, he or she may not cover dependents under the employer's plan.

Medical Debt Without health insurance coverage, a serious accident or a health issue that results in emergency care and/or an expensive treatment plan can result in poor credit or even bankruptcy.

The Medi-Cal program plays a critical role in helping families achieve a basic level of resources. In the absence of Medi-Cal, poverty among young children could increase from 7 percent to 16.9 percent. For adults age 45 to 64, poverty could increase from 13.1 percent to 19.3 percent.

Employees who “waive” coverage do not count against the “participation” requirement. Employees who “decline” coverage DO count against the participation requirement. This could make or break small group health insurance.

There is no longer a federal penalty for not having health insurance. But in DC, Massachusetts, New Jersey, Rhode Island, and California, the state imposes its own penalty (collected via state tax returns) if a person doesn't maintain health insurance and isn't eligible for an exemption.

Without health insurance coverage, a serious accident or a health issue that results in emergency care and/or an expensive treatment plan can result in poor credit or even bankruptcy.

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.

The Working Spouse Rule means a spouse of an employee may not use our health insurance plan as the primary coverage if the spouse works, is eligible for health insurance coverage through his/her employer, and the employer pays at least 50% of the total premium for “employee only” or single coverage.

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© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232
Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
DMCA Policy
About Us
Blog
Affiliates
Contact Us
Privacy Notice
Delete My Account
Site Map
All Forms
Search all Forms
Industries
Forms in Spanish
Localized Forms
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate workflows
DocHub
Instapage
Social Media
Call us now toll free:
1-877-389-0141
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232