How long does an employer need to give you to make decisions about health insurance coverage?

UPDATED: Sep 30, 2022

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How long does an employer need to give you to make decisions about health insurance coverage?

I just got out of a meeting with my employer letting us know that we have a new
health insurance company/plan and gave us a stack of papers to digest. It’s Wed.
330pm and we need to decide and have paperwork filled out by Friday.

No idea if there are any laws around this but it doesn’t seem right. I for one
will be forced to make a decision without having enough time to understand my

The company is in WI if that matters.

Asked on December 7, 2016 under Employment Labor Law, Wisconsin


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

There is no law requiring a minimum or set time frame for making these decisions or reviewing your options--for that matter, an employer does not have to provide health insurance, even under the ACA, and since it the employer's choice whether to provide this insurance, they can set the rules, terms, conditions, etc. for when you must make a choice.

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