This forum post is hidden because you have chosen to ignore golfinsailor. Show Details
This forum post is hidden because you have submitted an abuse report against it. Show Details
"Isn't that pretty common now?"
No you have a choice you don't have to get your employer's insurance. Whether you have insurance or not.
I opt out because I have Medicare and Tricare for life. Starting in December 2013 I will be automatically be enrolled in the company health insurance, even though I don't need the insurance.
Posted by memadeania
Yes it is pretty common now, but not many states mandate it. This levels the playing field and makes it uniform across the country.
If you have "credible coverage" (such as Medicare, Tricare or are covered under another employer group health insurance plan, you can opt out. Most likely on the enrollment card that you would receive, you would have to state what your "credible coverage" is and provide some proof of actually being covered.
This is actually for your protection since under current regulations (HIPAA, passed in 1996), should you ever lose that coverage, you would not be considered as a "late enrollee" and subject to underwriting and possible rejection or rate up. Your pre-existing conditions would be covered as a "prompt enrollee" since at the time you first became eligible for group health insurance, you provided proof of existing "credible coverage".
The purpose of automatic enrollment is to catch mostly those young and healthy individuals who refuse to enroll because they don't want to pay the required contribution and have no "credible coverage". Because those people refuse to enroll, this has the effect of increasing the cost of that employer group health insurance because of a higher degree of "adverse selection" (insurance speak for not enough healthy people included in the risk pool).