Citi Benefits Handbook
If You Do Not Enroll
If you do not enroll in coverage within your initial 31-day enrollment period, you can enroll during a subsequent Annual Enrollment period or as the result of a qualified change in status. Note: You have 31 days from the date of a qualified change in status to enroll in or change your coverage in connection with the qualified change in status.
If you do not enroll and do not have health coverage, you may incur a penalty from the U.S. government (due to health care reform requirements).