I want to drop my daughter (18) from my employer insurance due to cost and buy a lower plan for her with Covered California.?

  • by Joy
  • Sep 11,2019
  • 5 answers

I want to drop my daughter (18) from my employer insurance due to cost and buy a lower plan for her with Covered California.?


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Insurance Answers (5)

Eva last week

Not a qualifying event. You will have to wait until the open enrollment period.

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A Hunch last week

You can't purchase a plan for her right now.
To be able to purchase coverage midyear, she has had to have a loss of insurance. You can't get her off your employer insurancen midyear until she has other coverage.
You can purchase the coverage for her effective Jan 1, 2020 and then remove her from your coverage at that time

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babyboomer1001 last week

It is highly unlikely that you will find an individual plan at less money than a group plan. A qualifying event refers to joining in a group plan outside of the enrollment time. It would not be considered a qualifying event, but she can always get an individual plan.

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Zarnev last week

You can remove her from your plan during the open enrollment period of that plan. At that time you have a special election period when you can purchase a plan from Covered California.
Be aware that since she qualifies for a group policy she won't qualify for a subsidy from Covered California so you'll be paying full price for her plan.

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Anonymous last week

If she qualified and enrolled in Medicaid or her other parent's group plan, then that would be a life event to enable you to drop her outside of your open enrollment. But, even if you found a currently available, non-aca plan, that doesn't trigger that special enrollment to drop her. AND, in December when open enrollment for individual plans are here and you sign her up, you can't drop her from your plan then either - unless that coincidentally is also your company's open enrollment.

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