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Health Insurance

ERISAmavenERISAmaven 22 Posts
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Does anyone have experience with requiring employees to enroll in a health insurance plan as a condition of employment unless they can proove they have other coverage? What are the pros and cons?
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  • BKateBKate 100 Posts
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    I haven't really run into this. Most of us are trying to keep insurance premiums down, so employees chosing not to enroll is often viewed as a good thing. I would guess that you can only mandate enrollment if the company pays the premiums. Wouldn't employees have to authorize a payroll deduction in writing if they were required to pay the premium? If that's the case, they could refuse coverage.
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  • ERISAmavenERISAmaven 22 Posts
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    I think that the idea is two-fold:

    1. To make sure everyone is covered so that they take care of minor problems before they become major, and

    2. To aovaid adverse selection.

    If enrollment is a condition of employment, doesn't it avoid the problem of an employee refusing to authorize withholding?

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