I see a naturopath and an acupuncturist for all of my health issues. These are not covered by my plan at work, so I’d like to drop out. I’d save a little bit each week too, since right now I’m paying for part of the cost. Can I just drop out or will they force me to stay?
Dear All Natural,
Yes you can drop out of a group plan. The employer may ask you for proof that you have coverage from another source. They will ask for this because their contract with the insurer probably requires them to. Even if you do not have other coverage, they should still allow you to drop out especially if you pay part of the cost.
Keep in mind that you may not be able to rejoin the plan until its annual enrollment period. Starting January 1, 2014, you would face a penalty or tax if you do not have health insurance. There is an exception to the penalty if you object to insurance on the grounds of your religion; not having your favorite providers covered won’t be enough to get you out of the penalty, however.