Employer cancels health insirance

[brianga]

What is the name of your state (only U.S. law)? Missouri
What rights do we have?He says since we were self insured no cobra will be given.We have more than 20 employes and he gave us 3 weeks notice.I don't understand how we paid our premiums all year and he cancels in the middle of the year and we have no recourse.He has employees in MO,KS,Mass,And Viginia.Several women are PG and dont know what to do.We checked into the pool since my wife had a heart attack 6 months ago and were looking at least 1000 a month.I'm just lost as our policy ends april 30.the employer is Haddad Rest. Group which manages rest. like Plaza 3,Figlio's,Fred p Otts and Winsteads.Says he just cant afford it anymore.

[cbg]

The only state you have listed where he is required by law to provide health insurance is MA. In all other states, whether or not he provides health insurance is up to him. If the policy is cancelled outright, then there is no COBRA.

How many employees does he have in MA? Are they full time or part time?

[brianga]

Not sure how many.But you pay your premiums,meet your deductibles,then they can cancel no notice no nothing.Just doesn't make sence to me.

[FlyingRon]

Was he really "self insured?" That means he was paying the bills to the doctors or was there an insurance company involved.

COBRA doesn't really cover the employer reducing or eliminating benefits, it covers you being allowed to pay to extend the employer's plan if you leave under a qualifying event.

[brianga]

Yes he was self insured.A company repriced it but he wrote the checks up to a point.Then he insured anything above 50,000.My point is I paid 2000.00 in premiums in 4 months have not used it and now he cancels.Just doesn't seem right he can do that without notice.

[cbg]

Sometimes life isn't fair.