In employer-sponsored health plans, employees may select their health plan.

Question

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Employees may typically only change their health plan during the open enrollment period, which is typically once a year. Choosing a different plan during the contract period, at the beginning of a fiscal year or on the first day of any month is usually not allowed, unless there is a qualifying life event such as marriage, birth of a child or loss of other coverage.

In Employer-Sponsored Health Plans, Employees May Select Their Health Plan