Employment Law Questions? Ask an Employment Lawyer.
Thank you for your question.
Generally, your employer should not cancel your health insurance without notice. You should be given notice of canceled health insurance so you have the chance to procure another policy. Additionally, your employer should not single you out by canceling only your insurance, absent special circumstances. Given the fact that you have contributed to the premium, if you have paid your premium for a period for which you do not have insurance, you may be entitled to a refund.
Please let me know if you have any other questions, or require clarification of this matter. Otherwise please hit "ACCEPT", so I may receive credit for my response. Tips and feedback are also appreciated.
Did your employer explain why the cancellation occurred? How many employees were affected by the cancellation?
Your employer is under no obligation to provide you with health insurance; however, now that they have started, they have a duty to alert you to the fact that they are discontinuing coverage. Under ERISA law, they may have an obligation to offer you COBRA to allow each worker to pay for his or her own coverage in the interim while you are looking for other coverage.
Best of luck to you!
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).