Should I refuse medical insurance from my employer?

I am currently getting medical insurance through my husband's employer. My employer has just offered me to enroll in her medical insurance plan, for a price. If I decline, will my current insurance company be able to deny me medical coverage/benefits because I declined the insurance from my own employer?

[Amir Mostafaie]

Dear greengarden7,

Terms of employer sponsored group plans vary based on the agreement between the insurer and the policy holder (the employer). Some policies require spouse and dependents to get their coverage through their own employer when and where available. This could especially be an issue if both yours and your husband's employers offer coverage through the same insurer.

The only way to find out is to inquire from the plan administrator or Humana Resources what their requirements are.

Sincerely,

Amir Mostafaie