Affidavit of No Coverage by Another Group Health Plan
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FAQ
Employees may decline health insurance offered by employers. This is called a waiver of coverage.Note that in 2014, employees who decline coverage considered affordable and adequate under the Patient Protection and Affordable Care Act will not qualify for government subsidies to purchase individual health insurance.
There are no federal laws requiring plans to provide the same benefit coverage to all employees.Thus, generally employers have discretion when structuring their benefits plans and are able to make distinctions among employee populations regarding access to and the level of benefits offered.
Employees may decline health insurance offered by employers. This is called a waiver of coverage.Note that in 2014, employees who decline coverage considered affordable and adequate under the Patient Protection and Affordable Care Act will not qualify for government subsidies to purchase individual health insurance.
Answer. In general, employers are free to offer health insurance to some groups of employees and not others, as long as those decisions are not made on a discriminatory basis. It may surprise you to learn that employers are not required to provide health insurance by law.
Non-employees cannot pay for their group health insurance coverage through the corporation's Cafeteria Plan nor would they be eligible to participate in an employer's FSA, HRA or HSA.
Are employers allowed to offer different benefits to different employees and to charge more for the same benefit, or is this a discriminatory practice? There are no federal laws requiring plans to provide the same benefit coverage to all employees.A plan may draw a distinction between employees and their dependents.
There is no penalty for opting out of coverage. When an employee doesn't want health insurance from their employer, they waive coverage.A waiver of coverage is a form employees sign to opt out of insurance. Employees can only waive coverage during certain time periods.
Purchase an individual health plan, either off-exchange or from the ACA exchanges. Consider an affordable alternative to traditional insurance like a faith-based sharing plan. Get on your spouse's employer-sponsored health plan, if applicable. Purchase a group health insurance plan for yourself.
Answer. In general, employers are free to offer health insurance to some groups of employees and not others, as long as those decisions are not made on a discriminatory basis.If the employer fails to provide the required coverage, it can be assessed a hefty penalty by the IRS.
