Yes and no. When I worked for Blue Cross Blue Shield we HAD to take this insurance. It was only like 20 dollars a month but we didnt have a choice. I now work for another company who offers health (which I still took) but at the same time if you were to decline their health insurance they would pay you $1000 and you were SOL if you later decided you wanted to take it (until the next enrollment period. ) Hope this was helpful. Evan
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