Mandatory health insurance?

my dad is 67 years old and his employer started requiring all employers to take their health insurance policy. the policy itself really sucks has like a maximum pay out over the year of $2000.00. he does have some type of medicare and my mom has him on her policy. so why is he required to take all of them.

If your dad works for a small company, it may be that the company's required to have a minimum number of participants to be able to offer the insurance plan and the only way he can reach that minimum is to require that all employees participate. It may also be that, if you live in Massachusetts, the employer mistakenly believes that all his employees must participate in his program to meet the state's new requirement of insurance coverage. Actually, only one policy is needed and, in fact, he may well get into trouble if the insurers discovery that he is covered under more than one policy.

sometimes group policies require a certain percent of the employees participate....that might be what is going on with your dad's employer. Your dad could get medicare and then get a supplement or a medicare advantage plan also known as Medicare Part C. The cost for a med adv plan is 0 to a small fee and is a good choice for many seniors. It takes the place of a medicare supplement policy which is much more expensive. Find a good medicare supplement consultant and get an education on what is available in your area. The plans vary by county.