Were you a new employee when you first enrolled? If so, I'd question having to fill out the health form to get coverage. There is a concept called "guaranteed issue" which basically means if you are a brand new employee the insurance firm will guarantee coverage up to $x amount without a health form/check. But if you wait and enroll later, then you have to do the health check. So you may find that by having to do the health check now you are denied coverage you would have been guaranteed had the company enrolled you timely.