As a general matter, yes, that is true--an insurance contract is typically for a year, which means in the case of employer-provided health insurance, that the employee is obligated to the insurance (s)he selected until the next open enrollment period.The major exception to the above is that if you had certain major life changes, you may be able to modify your insurance mid-year: the main ones are marriage  or divorce, birth or death of a child, or loss of employment. If one or more of these things occured, speak with your company HR person or department, and/or with  the insurance provider directly, about what it means for  your coverage.