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A health insurance waiver allows a person, such as a student or an employee, to waive their participation in a health insurance program.
A health insurance waiver allows a person to opt-out or waive their opportunity to be covered by health insurance policy. Health insurance waivers cannot be used in every circumstance. It is important that you speak with a licensed attorney to determine whether you are able to offer a health insurance waiver.
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A health insurance waiver is used to opt-out of health insurance coverage that is offered by a business or a school. However, health insurance waivers are not appropriate in all circumstances. It is important that you speak with a lawyer to determine whether your organization is eligible to offer a health insurance waiver or under what conditions (such as the employee or student has existing coverage) it may be offered.
You should use a health insurance waiver if you're looking to provide students or employees with an option to decline group coverage from your health insurance policy.
Businesses and academic institutions may benefit from offering health insurance waivers to their employees or students.
Can any business offer a health insurance waiver?
Because there are laws in the United States that determine whether a business must provide health insurance for their employees, not all businesses may be able to use a health insurance waiver. Depending on the structure of the business and the size of the business, health insurance waivers may only be a viable option if the employee or student is already covered by a policy and is able to provide proof of that policy.
What should I do with a health insurance waiver after it is signed?
Make sure that you keep it with the rest of your health insurance documents. You may want to keep a copy of the health insurance waiver in employee or student files and in a master file.