Employment Law Questions? Ask an Employment Lawyer.
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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.
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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.
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