Adding Spouse to health insurance but outside of open enrollment. (plan, coverage)

[lewdog_5]

My wife and I both work full-time and both have single insurance plans through our separate employers. This was actually the cheapest option and provided the best coverage, so we've remained separate for health insurance even though we've been married 4 years.

It's possible that my wife stops working something next year. My open enrollment is this November and she definitely plans of still working then. If she ends up quitting her job next summer, is she allowed to join my health insurance plan even though it's not open enrollment? Is voluntary termination of employment a qualifying life event?

Thanks

[North Beach Person]

Check with your benefits manager but, in my experience, she should be able to be added.

[Angie682]

Most employer sponsored Plans will let you add a spouse if they lose their coverage. However you must add them to your Plan within 30 days of the event. Verify with your HR dept or insurance company.

[utsci]

It is referred to as a Life Status Change (LSC) because she is losing her coverage. Most insurance will allow adding her to yours under these circumstances. But be sure to have your HR department clarify for you. And 30 days is the usual time allowed after the event that I have ever seen.