Can I Cancel My Employer Health Insurance? 
In most cases there are two times when you can cancel your employer health insurance : during your employer 's open enrollment , and in the event of a qualifying life event . Your employer has an open enrollment once per plan year . You can make changes to your elections during this time . Changes become effective in the new plan year . You can make changes outside the open enrollment if you have a qualifying life event . The changes must be consistent with the life event . Life events that may allow you to cancel coverage are a change in residence , change in martial status -LRB- divorce -RRB- , death of spouse or child , a change employment for a dependent that gains coverage . 