If an employer is going to cancel health insurance, they must provide employees with a 30-day notice. If there are going to be material benefit changes, the employer must provide a 60-day notice. If your employer cancels your health insurance, it will trigger a special event enrollment window.

Can my employer cancel my health insurance without telling me?

ACA Requirements

Yanking your insurance away, with or without telling you, violates the law. If your average hours are less, the law does not require your employer to provide insurance. The company is free to cancel any coverage it does provide. If you are full-time it can cut your hours until you no longer qualify.

Can an employer cancel your insurance at any time?

Can an employer force an employee to keep their health insurance? An employee can voluntarily cancel coverage at any time only if the company is not having employee premium contributions deducted pre-tax.

Can my employer retroactively cancel health insurance?

The ACA prohibits rescissions (cancellation or discontinuation of coverage with retroactive effect) except in cases of fraud or intentional misrepresentation of a material fact as prohibited by the terms of the plan.

Related Question employer cancelled my health insurance

Can my health insurance cancel my policy?

According to the Affordable Care Act (“ACA”), a health insurance company cannot cancel health insurance anytime. However, even in a scenario involving health insurance fraud, a health insurance company may still not be able to cancel a policyholder's health insurance plan if they appeal and win their case.

Can an employer backdate insurance coverage?

The employer cannot backdate your termination of health insurance coverage. You could sue the employer for fraud.

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