Health coverage through OS BENEFiTS is optional — if you have coverage elsewhere or simply don't want to enroll right now, you can decline it in just a few clicks. If you only want certain coverage — like dental but not medical — there's a different path for that.
Declining all coverage
If you don't want any coverage at all — no medical, dental, vision, or add-ons:
Log in to your OSB Dashboard
Go to the Benefits section and open your Open Enrollment (or renewal)
On the start screen, you'll see two options: Begin Open Enrollment or No, I decline coverage
Click No, I decline coverage and confirm
That's it — no premium will be deducted from your paycheck for the declined coverage.
This button opts you out of everything at once — health, dental, vision, and any voluntary add-ons together. It skips the rest of the enrollment form entirely, so don't use this button if you want any type of coverage.
Only want certain coverage — like dental without medical?
Don't use the "No, I decline coverage" button — that opts you out of everything. Instead:
Click Begin Open Enrollment to start the full enrollment form
On the Medical page, you can choose not to select a medical plan
Continue to the Voluntary page (dental, vision) and select what you want
Continue to the Add-ons page and select or skip anything there
Complete the form through the final confirmation screen
Each page lets you select or deselect independently, so you're not locked into an all-or-nothing choice as long as you go through the full form rather than the upfront decline button.
What if I already submitted my enrollment?
If you've already confirmed your enrollment and want to remove a plan you selected — or decline coverage entirely — reach out to [email protected] as soon as possible. Changes are easiest to make before your coverage effective date.
What happens after I decline?
You won't have any premium deducted from your paycheck for the declined coverage
You'll need to wait until the next open enrollment to join — unless you have a qualifying life event (like losing other coverage, getting married, or having a baby), which opens a 30-day window to enroll
Not sure whether declining is the right call? We're happy to talk it through with you.
Questions about declining or changing your enrollment?
Email: [email protected]
Call: (866) 486-8242
Hours: Mon–Fri, 8am–9pm EST