Can health insurance be declined during open enrollment?

Unless her employer is paying 100% of the cost, she CAN, legally, opt out of the coverage. In a right to work state, though, they can fire her, for any reason they want - even if that reason is, "because you didn't buy into our health insurance program." Why would they fire her over this? Because Obamacare will fine the employer, if they don't have a high enough percentage of employees enrolled in the plan.

You can decline the employer insurance during open enrollment and pick up an Obamacare plan in November.

That is probably correct. Depending on the size of the company and the insurance that they have the new regulations require a certain percentage of eligible employees be covered by the group policy, and since it is now the requirement that you have insurance they cannot let you go uninsured.

She is being trapped, but not by the employer. This is one of the unintended consequences of the ACA.

She doesn't need a marketplace plan. The only reason to use the marketplace is for the subsidy, and since she has access to a group policy through her employer she does not qualify for the subsidy. The plans on the marketplace are essentially the same as those off of the marketplace with 2 major exceptions: those on the marketplace generally have smaller doctor networks and cover fewer medications than those off of the marketplace.

She may be able to force the issue because of state laws that prohibit an employer from withholding health insurance premiums without the employee's consent. If she simply refuses to reenroll, then they may have to decide between allowing her to be employed without insurance or firing her.

Either way, she is not allowed to opt to be uninsured, and will owe a substantial penalty to the federal government for deciding not to be insured.

Unless they pay for it outright, they can't force her to be on their plan. Open enrollment is just that. You can add or drop coverage during that time. Most small employers are getting rid of group plans anyway. If they get rid of them, then the gov't subsidizes the cost. And, if the gov't subsidizes, then why should the employer? Most small employers then add additional benefits elsewhere...more pay, more supplemental coverage, etc...

Actually, this is pretty straight forward. They have to provide coverage and she can only opt out if she has an alternative in place. They would have to fire her if she simply refused to re-enroll.

Thanks PPACA...

For fast insurrance quotes

Try https://tr.im/opUNs