Monday, July 12, 2010

Is it lawful to make health insurance a condition of employment?

In Illinois, I am employed by a company requiring health insurance as a condition of employment. To opt out of company insurance program, I must present proof of purchase of another provider.


Further more, no equitable compensation for those who do opt out.

Is it lawful to make health insurance a condition of employment?
I don't think they can REQUIRE it unless they are paying 100% of the premiums. Then, yes, they can and would need proof of other insurance in order to let you opt out.





However, like mbr... said, they may be trying to keep the minimum participation so they can keep their current carrier, rates and coverage.





If they are not paying the entire premium, then I would certainly ask some questions. Take a look at the certificate (benefit booklet) when you get it to see if it offers any questions.
Reply:I've never heard of this, but I do think it is legal. You could try this website to see if you can find any information on this. http://insurance.divinfo.com/
Reply:Doesn't surprise me. Most group health policies require a participation percentage from the employees - and will only except an employee from group participation if they have coverage elsewhere.





I don't think this is illegal.


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