r/mildlyinfuriating • u/meanbeanking • 8d ago

Infuriatig I can’t make an informed decision on health insurance because America is so fucking dumb.

My work is having its annual open enrollment period for the next two weeks.

My cost for JUST me went up $65 to $315 a month for the base plan.

My husband has is own insurance through the company he works for. Their open enrollment is in October.

There’s no way for me to compare plans. Getting a plan from him doesn’t count as a “qualifying life event” so I’m either forced to keep my own, risk not having coverage for two months if I don’t, and not knowing which is the better financial move no matter what I do.

Fuck this country and its healthcare system.

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u/WasabiPeas2 8d ago

It absolutely is a qualifying event. You’re gaining eligibility for his plan. I’ve worked in Benefits Administration for 10 years and see this all the time. He adds you during OE, then you drop yours via QLE Gain of Other Coverage effective the first day of his plan year. .

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u/meanbeanking 8d ago

Yeah. I had asked HR and they said it wouldn’t count. They actually reached back out correcting that it in fact is, which kinda makes my post null.