Drop family members from insurance outside of enrollment period?
January 28, 2014 4:02 PM Subscribe
I have done something very stupid: I thought I had dropped my spouse from my insurance plan during open enrollment, but never double-checked and apparently I did not. Now my HR is telling me I can't remove him until next calendar year, so I have to pay the $3200 difference for the next year. This is in the U.S., as if you can't tell from the effed-upedness of these situations stemming from employer-based healthcare.
posted by anonymous to Work & Money (10 answers total) 1 user marked this as a favorite
I definitely should have double-checked that the "disenrollment" went through, as I was using our terrible online HR system, but I didn't. Is there really no way to remove a family member from a plan? I can understand not allowing new enrollments, but... I can't just drop him? I'm trying to figure out if I should try to make a little bit of a fuss about this, or if it's based on hard-and-fast federal rules. Googling turns up statements like "your employer usually" and "your employer may", which makes me think there is some employer decision-making on this. At this point we're at a standoff, where I say I remember doing it online, and my HR office says there's no record, so we're just doing the he-said, she-said dance over and over.