Canceling insurance due to going part-time?

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We live in California, 95128. My wife recently accepted an opening to change from full-time to part-time at the same employer doing the same job; the switch is happening starting next week. Previously she had full health insurance because it cost her very little.

Now that she’s part-time, they’re going to charge her $1000/month more for the health insurance – but they won’t let her cancel it until the next open enrollment period. She’s already covered under my insurance so we don’t need it – it was just “extra” coverage that reduced our bills.

This is private insurance, not a Covered California plan.

We already talked to HR and to her union, they both say that the only time you’re allowed to cancel health insurance is during open enrollment or a qualifying event – but that switching to part-time is not a qualifying event.

Is this legal? I’ve had a hard time finding any answers, most of the results I’ve found talk about ACA exchange plans, where you are allowed to cancel anytime.

submitted by /u/dmazzoni
[link] [comments]
We live in California, 95128. My wife recently accepted an opening to change from full-time to part-time at the same employer doing the same job; the switch is happening starting next week. Previously she had full health insurance because it cost her very little. Now that she’s part-time, they’re going to charge her $1000/month more for the health insurance – but they won’t let her cancel it until the next open enrollment period. She’s already covered under my insurance so we don’t need it – it was just “extra” coverage that reduced our bills. This is private insurance, not a Covered California plan. We already talked to HR and to her union, they both say that the only time you’re allowed to cancel health insurance is during open enrollment or a qualifying event – but that switching to part-time is not a qualifying event. Is this legal? I’ve had a hard time finding any answers, most of the results I’ve found talk about ACA exchange plans, where you are allowed to cancel anytime.
submitted by /u/dmazzoni [link] [comments]Read Morer/HealthInsurance

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