I enrolled in a HMO at work. I find it is too restrictive and I want to change to another plan. My benefits department tells me I cannot make a change after the open enrollment deadline due to labor and tax laws. Is this correct?
Your benefits department might be right, but I don't think it's due to labor and tax laws but rather to the rules of the insurance carrier itself. I know from running my own law firm that employees cannot simply change plans in the middle of a policy period, although they do have options whenever the firm changes health plans. You don't say what state you are located in, and you should definitely consult an employment lawyer or health care lawyer in your state, but at first blush I would say that your benefits department probably knows what they're talking about.
