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Can I cancel my Health insurance to switch to my wife's health insurance through her employer?

10 asked:

Her's is only $15 cheaper PER MONTH, but they just announced that their wellness visits are NO COPAY and their generics are a flat $5. Urgent care is a flat $10 copay… This is a huge savings from mine… Will they let me cancel?

Comments on Can I cancel my Health insurance to switch to my wife's health insurance through her employer? Leave a Comment

April 12, 2010

Luqman K @ 8:19 am #

no u can't ??

April 14, 2010

Anon Speaker @ 10:11 am #

Most of the time, unless you are still within the grace period (usually 30 days after the qualifying event, such as the marriage in this case), you have to wait until open enrollment to switch to a spouse's plan.

April 16, 2010

Edvado @ 8:15 pm #

YMMV but I did it when I got married.
Check with your personnel department.

April 18, 2010

Scott @ 3:12 pm #

Yes, you can. However, most companies ask if the dependent or person(s) on the plan have access to their own insurance, or if they have waived it. If they do (in this case, you do) the premium is usually increased.

You should ask how much the increase, if any, will be if you change to her insurance before choosing.

Your wife's plan may also restrict when you can enroll for benefits. Usually it's open enrollment (usually once or twice a year), or during a life changing event (marriage, children, etc…).

Loss of benefits does qualify as a life changing event, though cancellation of benefits may not. You need to ask about that too.

April 20, 2010

Serena @ 3:37 am #

Sure they will. Make sure you get signed on to your wife's insurance during the window of time you can make changes to her policy. For most insurance, it's October. Make sure you have coverage that will last until the new policy takes effect (usually January).

April 23, 2010

Ralfcoder @ 2:23 pm #

My employer not only allows this, but requires it if the spouse's plan is cheaper than ours. But you better check with both your HR department as well as hers first, to be sure you do it according to their procedures, so you're not stuck without coverage because you didn't cross an I or dot a T.

April 25, 2010

David Z @ 11:12 am #

at end of year you can.

April 27, 2010

jlf @ 11:49 pm #

That depends on the terms of YOUR employer's group plan. Consult your employer.

April 30, 2010

Clay @ 4:59 am # – my family have this health insurance. It is affordable and has good coverage for dental issues.

May 2, 2010

noob @ 12:22 am #

you can cancel yours through your employer on your next open enrollment and get on hers on her next open enrollment.

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