How can I insure my spouse on the private market?
May 13, 2011 9:45 AM Subscribe
I'm going nuts trying to figure out the rules on how to get my spouse on an individual high-deductible health plan when coverage is theoretically available through my employer. The internet is useless. Can the hive mind help me here?
posted by anonymous to Health & Fitness (7 answers total)
Here's the situation: New employer, Rhode Island. Married with no kids, spouse does not have an employer that provides health coverage. My new company heavily subsidizes individual health insurance but only pays 50% of the premium for a family plan (and "individual+1" is not offered). We could save about $400 a month by enrolling me as an individual in my employer's plan and covering my wife on the private market.
Here's the problem: Blue Cross is the only insurer providing individual coverage in RI. The eligibility guidelines state: "You are eligible to apply for coverage under this agreement if . . . you are not eligible for employer-sponsored group coverage or similar coverage."
This is consistent with HIPAA and with rules of other states that I've seen while poking around the web.
I don't want to be stuck with an expensive family plan that I don't need. I'm willing to put my spouse on a catastrophic plan and pay full price up to whatever deductible makes sense. But that doesn't seem to be a legitimate option here. Has anyone been in this situation? What can I do?