My spouse recently took a new position with benefits. Where I have been providing benefits through my employer I contacted them and ask to remove my spouse. At first, they said not a qualifying event. However, after checking with my health insurance provider they said a spousal change in benefit status did qualify. Reaching back out I was told that the problem was not with Anthem, but something about the pre-tax premium associated with the plan.
If this is right, I am left with two choices:
a) to double-pay our insurance premiums through our separate company plans until my open enrollment in March, and drop my spouse then (resulting in a few thousand dollars in extra payments)
b) my spouse can refuse her own benefits (which are way more affordable than keeping her on as a spouse on my plan) and I can drop her during my open enrollment next year. With the latter choice, she will be without insurance for 3 months until her company's July enrollment period and we may be open to a tax penalty.
Thanks in advance for your answers/advice