My wife is switching over to my insurance plan for 2023. I signed her up through my employer. However, she forgot to decline health insurance with her current employer. We realized she's enrolled in two health insurance plans now. Can she opt out of her current company's plan? Or does she now have to pay for both plans?

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micha8st t1_j2fljyc wrote on December 31, 2022 at 10:28 PM

you will have to contact her HR department to be sure. Or, you will have to contact yours.

Despite what others say about "Open Enrollment period" there is some capability to fix foul-ups like this. Whether she can get out of paying for her plan and remain employed is up to HR.

BlazinAzn38 t1_j2fk3oj wrote on December 31, 2022 at 10:17 PM

Depends on the plan policies but generally you can only make changes during open enrollment or during specific life events so you could be stuck with two plans. HR should know or it’ll be listed in the plan documents

shadow_chance t1_j2foyvs wrote on December 31, 2022 at 10:53 PM

She's probably stuck with both of them for 2023. You can't make changes after open enrollment without a qualifying event. She should check with HR.

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[deleted] t1_j2fkfd5 wrote on December 31, 2022 at 10:20 PM

[deleted]

shadow_chance t1_j2fouqr wrote on December 31, 2022 at 10:52 PM

You can definitely have 2 (or even more really) plans. Dual coverage is relatively common.

AllTheyEatIsLettuce t1_j2ftzxu wrote on December 31, 2022 at 11:32 PM

Ask her employer how to get out of her employer's employer-dependent health coverage.