Happy prose
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Post by Happy prose on Nov 18, 2017 19:17:05 GMT -5
My husband and I are covered under my employer's health insurance. Does there have to be a life event for him to come OFF? He found much cheaper insurance for himself, but my open enrollment period ended. Thanks!
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Tennesseer
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Post by Tennesseer on Nov 18, 2017 19:24:23 GMT -5
My husband and I are covered under my employer's health insurance. Does there have to be a life event for him to come OFF? He found much cheaper insurance for himself, but my open enrollment period ended. Thanks! It has been a while since I worked, but I would imagine there should be no problem dropping someone off your employer's insurance plan. Different than adding someone onto it (open enrollment).
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andi9899
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Post by andi9899 on Nov 18, 2017 19:44:12 GMT -5
There has to be a life event.
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Happy prose
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Post by Happy prose on Nov 18, 2017 19:58:33 GMT -5
Thanks, I was hoping that rule was only for adding someone.
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Deleted
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Post by Deleted on Nov 18, 2017 20:00:15 GMT -5
I don't know if the problem is with him dropping off; I would think the new insurer would require a life event for him to sign on outside of open enrollment.
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Happy prose
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Post by Happy prose on Nov 18, 2017 20:13:30 GMT -5
Ok, I vote for anthena and Tenn.
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andi9899
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Post by andi9899 on Nov 18, 2017 20:26:14 GMT -5
Yeah. You're right. I know nothing about insurance.
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NastyWoman
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Post by NastyWoman on Nov 19, 2017 2:02:58 GMT -5
With an HR guy, an actuary, and an insurance person (help me out here andi9899 what is the correct term?) weighing in with slighty different answers, I would make it a multiple step process. 1) ask at work if dropping someone is allowed and you wil get the reduced single person rate; 2) if the answer is no you are done, if yes, check with the new insurance whether starting insurance can be done at any time; 3) if not you are done, if yes enroll. Then once the new insurance is in place, and only then, cancel insurance at work. I would never cancel earlier and risk ending up uninsured, and I am reasonably certain your DH won't be able to get onto yours until your next open enrollment period.
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steph08
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Post by steph08 on Nov 19, 2017 3:47:13 GMT -5
After my husband graduated from college (went back fulltime at age 30) and got a job, I think that counted as a life event and I could remove him, but it had to be within the first 30 days.
I contacted my employer about removing him from my insurance, but I was not able to because the 30 days had passed and I had to keep paying for his coverage until the next enrollment period.
If your DH didn't get a new job, I don't think you will be able to remove him.
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bean29
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Post by bean29 on Nov 19, 2017 6:58:41 GMT -5
I would go talk to HR, when does your insurance policy year end? I think we could pull someone off the policy right now b/c new year hasn’t begun yet. We havent been billed yet for Jan although it should happen in the next week or 2 (small company).
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Happy prose
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Post by Happy prose on Nov 19, 2017 10:38:10 GMT -5
I think our open enrollment ended around Nov 10. A few days after, my husband's job offered a good policy much cheaper. I want to stay on mine because I'll get benefits in retirement; my husband wants the cheaper plan for himself.
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Deleted
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Post by Deleted on Nov 19, 2017 15:31:28 GMT -5
Ah, you guys did jog my memory about dropping coverage.
At one point I realized I was paying taxes on "imputed income" because my employer-provided life insurance exceeded $50K. I didn't really need life insurance; DS was on his own and we had enough assets that DH, who was 15 years older, could spend his remaining years on hookers and blow and still pay the mortgage. I asked HR about dropping it and they told me I had to wait till the next enrollment period. I quit before then!
So yes, you may get stuck with keeping him on the policy for now, but you should check.
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teen persuasion
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Post by teen persuasion on Nov 19, 2017 15:46:10 GMT -5
Poking on Google I found This
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