Employer insurance change legal?
My husband's employer in Massachusetts had open enrollment back in November 2023 for our medical insurance to start in January. We signed up for a high deductible PPO plan of $10k per year. After we meet the $10k, we just pay copays for office visits and nothing for ER and imaging. In February, the company announced 3 weeks before the effective date that they were changing health insurance carriers as of March 1, but the plan would stay the same and they'd carry over whatever deductible we paid so far. It was a pain in the ass to update insurance and find new doctors with such little notice, especially when my husband had a planned procedure and I was due to give birth any day in March. Anyway, now we just got a notice that it's open enrollment next week for a start date of September 1 and that our deductible would be resetting because this new carrier's plan year runs 9/1-8/31 but we started in March so guess they must have worked out a 6 month deal. So now we've met our $10k deductible and should only be paying copays for the next 4 months. Is this legal? Especially with essentially no notice?
submitted by /u/Princesskass16
[comments]
