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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Individual Health Insurance Denied Because of Employment?

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Question: My employer offers me health insurance for me and my family, however the cost deducted from my pay check is outrageously high, were talking about $500 a pay check. I can’t afford that payment, and on top of that, the coverage is horrible. It would be far cheaper for me to purchase an insurance policy myself though a company outside of work, at half the cost, and with far better coverage. However all insurance companies I’ve called have denied coverage because my employer offers me insurance. Is this a law that Insurance companies can’t offer insurance for individuals who are given the option through their work?

Answer: You cannot be denied individual health insurance because you have group health insurance available. I don’t know why you were told otherwise. Perhaps, you are being denied individual health insurance because you do not meet the underwriting requirements - most frequently for preexisting medical conditions.

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