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Employers, not employees, choose health insurance for the employer and its employees initiating or dropping coverage, or picking among such options as monthly premium costs, co-payments, annual deductibles and prescription drug coverage and what the latter includes or excludes.
Employees cannot opt out of an employers health insurance coverage.
An Employees' share can be 50% of the employers' private Health Care Insurance Plan often (but not always) including Major Medical and Dental.
If an employee has an unemployed spouse, the employer concerned must bear part of this cost and may share the cost of insuring the spouse with the employee.
In Bermuda, an unmarried personal partner or parent or sibling of a Bermudian or non-Bermudian is not a spouse and has no legal standing or spousal rights or any right to have health insurance with that other person.If you as a visitor are vulnerable to any health problem, ask at where you say if they can contact an on-call doctor if needed and bring a plentiful supply of your own medically-prescribed non-narcotic prescriptions.Unlike Affordable Healthcare (Obamacare) which began in the USA on October 2013 and despite the change in the US Presidency since then still has an average price of under 0 a month in all 50 states, there has never been anything similar in Bermuda.New and current working residents are required to enroll in the healthcare, medical and hospitalization plans offered by their employers and to pay half the costs.There is no standard plan applicable to all employers or employees.