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Thank you for your prompt answer.
The answer to your question as to why an insurer would authorize the coverage, is that the insurance agent is the employer's mother. The employer used the I9 information he had on file to determine ages of employees. Whether they "guessed" about health conditions, I am not sure. They have some information from doctor's notices for sick time requested. Employees were casually asked the ages of their spouses/children at a company function in July. I believe this is also illegal.
For my clarification, the employer must get permission, in writing and with the employee's signature, with a clear explanation of what is being withheld (health insurance) and the exact dollar amount to be withheld and on what schedule (monthly, per paycheck, etc.). Is my understanding correct? I have asked the employer to produce such a document, signed by my husband, and they responded that they didn't need such a thing, as this is all required by the ACA. (You have adequately answered my questions regarding their responsibilities/liability in terms of the ACA. Thank you!).
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