I live and work in New York State.
Basically I was able to procure cheaper health insurance from New york State for my daughter(3 years old), and notified my employer with an insurance change form with proof of coverage. Since I already have paid the majority of September's premium including her coverage, I was expecting to get a refund of the overage I have already paid. They stated they do not refund premium's and that I would not be getting any money back.
In my mind, that is basically stealing money from me. I have already paid for something I will not be using in advance, and have not used it yet. Is there any recourse to recover my premium overages that I have already paid for? Its almost $200, and I don't see how they can justify keeping that money. Its not September yet, and notified them of the change prior to coverage taking effect in September.