No, there is nothing that requires an employee to take what their employer offers. An employee could easily get insurance through a spouse, as a dependent until the age of 26, or through the new Exchange. Employers with over 200 employees are required to automatically enroll their employees in their health insurance coverage, but the employee may opt out.
The onus to carry insurance coverage is on the employee who will be subject to penalties if they cannot show proof of insurance or documentation to be exempt.
| 5. Does an employee have to take an employer’s insurance if offered? |
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