Being forced to pay for Health Insurance I don't Need!

[Strauss]

What is the name of your state?What is the name of your state? PENNSYLVANIA

My Employer won't let me cancel my health Insurance, I have Insurance through another Plan.I originally took out the Insurance so my newborn baby would have coverage.I am now going off my parents Insurance because I am 23 yrs old and getting insurance through my college group plan while I Finish College, my baby will be covered by medicade.First my employer said they needed proof of coverage I gave it to them then they said she(Baby) has to stay on till next may. Called the Insurance company and they said they have no policy on cancelling insurance. My company lied. Insurance company said the company pays a lump sum for coverage for a year wether 700 or 600 people, so the more people paying the company the more the company saves. I don't want to pay for something I don't need. If they won't stop taking charges out of my pay check I will have to quit and work somewhere else. I am going on parttime status when college starts I will have to pay even more for the company Insurance because I will be working less than 20 hrs week. Do I have any legal recourse or I will be forced to quit. I am not paying for twice for Insurance when I don't need it or want it!

Regards

[cbg]

When your share of the premium comes out of your paycheck, is it pre-tax or post tax?

[Strauss]

Originally Posted by cbg

When your share of the premium comes out of your paycheck, is it pre-tax or post tax?

Thank you for your response.
The premium is a Pre Tax Deduction.

[cbg]

Then your employer is not only 100% legal, they would be in violation of the law to do anything else. When the premium deduction is pre-tax, Federal law states that you can only make changes to your plan, including adding or dropping coverage, at certain, specified times. You can ONLY make changes either at your open enrollment time or within 30 days of a qualifying event as defined in the statute - going back to school is NOT a qualifying event. If your open enrollment period is not until May, your employer is justified and legal in not allowing you to make changes until then.