Source
r/Insurance•
TwoPeopleOneAccount

Am I able to cancel my health insurance and get on my husband's health insurance plan?

I live in Pennsylvania. I am currently on my employer's health insurance plan which costs me $107/mo for pretty bad coverage. My husband is not on this plan. My husband started a new job a few months ago and on the 1st of next month, we will both become eligible to get on his new employer's health insurance plan which comes with no monthly premium for either of us. My question is, once I join my husband's plan, will I be able to cancel my current health insurance plan? Does my eligibility to join my husband's new plan qualify as a life event or do I have to wait until my plan's open enrollment period?

I have tried googling this situation and searching this subreddit and haven't found any answers that specifically address becoming newly eligible for a spouse's plan. Thanks for your time.

Posted Mar 6, 2018, 1:44 PM UTC

23
Scared_of_Redditors•

Husbands coverage is a qualifying event

6
Noinipo12•

Yes, your husband gaining coverage (and adding you to it) is a qualifying event allowing you to drop your current coverage.

Make sure when he signs up, print a PDF of your benefit summary (it'll probably show up towards the end of the enrollment process). It should have your name, your husband's name, the fact that you're enrolled in his plan, and the effective start date. Your HR will likely need evidence that you have other coverage and this can be that evidence. Give HR a copy of this within 30 days of gaining other coverage.

Just to be safe, check your pay stubs afterwards to ensure that your coverage was dropped and you're not paying for something you're not using.

3
TwoPeopleOneAccountOP•

Thanks for the detailed reply!

1