Health Insurance Opt-out Program

In an effort to reduce the cost of the Town's Health Insurance premium costs, the Town is offering a Health Insurance Opt-Out Program. The incentive will be offered to enrollees that have received health insurance benefits through the Town for the immediately prior 12 months. Additional information can be found in the Town's Health Insurance Opt-Out Program Policy (PDF).

Employees who are eligible to participate in the program must provide written documentation of alternative health insurance covered outside of the Town's group plans. The letter must include the dates of coverage and names of all those covered by the plan. This documentation will be required to be re-certified on an annual basis to qualify for the Opt-Out program each year.

The Annual Amount of the incentive payment that will be offered:

• Individual Coverage: $1,000
• Family Coverage: $2,000

The Opt-Out incentive payment will be taxable income and paid on a monthly basis through payroll.

If you are interested in participating in this program, please submit the following:

1.  Opt-out Program Application (PDF)
2. Health Insurance Responsibility Disclosure Form (HIRD) (PDF)
3. Written documentation of alternative health insurance covered outside of the Town's group plans on employer letterhead.

If you have any questions regarding the Health Insurance Opt-Out Program, please contact the Human Resources Department at hr@grafton-ma.gov or 508-839-5335, ext. 1390.